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USE CASE

Reducing card scheme message errors

How INETCO Insight® helps acquirers avoid declines and penalties due to failed card scheme communications

Reducing card scheme message errors

What is a card scheme message error?

A card scheme message error happens when an acquirer fails to successfully exchange a message with a card network such as Visa, Mastercard or American Express. This can be due to scheme rule violations (associated with merchant category restrictions, fraud and money laundering), invalid or missing mandatory transaction fields, incorrect field length or data type, wrong message versions (like a wrong ISO 8583 variant) or network connectivity issues. These errors can result in high unexpected decline rates, costly penalties issued by card networks and a confusing customer experience.

Detect card scheme message errors in real-time

INETCO Insight passively captures in-flight transactions across all cards and payment types. Every message field – including application payload, metadata, response and request timings and network protocol information – is decoded to detect and isolate card scheme message errors or tampering in milliseconds, empowering acquirers to resolve errors before they breach the card scheme monitoring thresholds set by card networks, avoiding costly penalty fees.

MONITOR

Monitor the end-to-end payments authorization process in real time, alerting to missing or mismatched field errors, connectivity issues, unexpected declines, recurring retry loops and response-code errors to fix issues before card scheme monitoring thresholds are breached

TROUBLESHOOT

Drill into transaction profiles captured across all card network payment flows to isolate the point of failure by merchant, gateway, switch, network, issuer host, region or card product type and reduce time-to-resolution while preventing repeat incidents

ANALYZE

Strengthen ongoing scheme compliance and evidence-based investigation by analyzing and fixing recurring card patterns before they lead to penalties, customer disruption and disputes around transaction duplicates, repeat submissions and partial completions

Avoid card scheme fines by fixing the real problem, not guessing at the cause

Improve authorization

Increase transaction success rates by identifying and fixing message field errors, unexpected declines and bottlenecks before they cause service disruption

Avoid costly penalties

Gain end-to-end transaction visibility to instantly flag message field errors, connectivity issues and routing issues – across all cards and payment types

Accelerate root-cause analysis

Shorten investigation cycles with transaction-level evidence and end-to-end profiling of every transaction – across every hop of the journey

Increase audit readiness

Provide accurate transaction intelligence and independent transaction audit trails when card scheme penalty investigations or compliance reviews occur

Seeing end-to-end transactions at the first click

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