How Betting Platforms Can Win Against Transaction Failure Rates
Blog post from Basis Theory
Real-money gaming platforms, classified under Merchant Category Code 7995, often face elevated payment declines and fraud risks that can undermine costly customer acquisition efforts. A programmable payments vault can help reduce these losses through BIN detection, which validates card issuer information, identifies issuing countries, supports transaction routing decisions, and can prevent invalid cards from reaching payment service providers. Short-lived token intents add a second pre-payment validation layer by enabling card and fraud checks before long-term token creation, while IP-based state restrictions can provide additional compliance and fraud protection. The text also highlights debundling Apple Pay and Google Pay to access device and biometric-related data that may strengthen fraud screening, arguing that these tools can improve payment conversion, reduce processing costs and declines, and create a smoother customer experience.
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