Fight false declines and beat Black Friday blues

Black Friday is one of the biggest shopping events in the calendar but recent research suggests false declines could be harming merchant profits, especially at such sales boom times[1].

A false decline is when a merchant or issuer security systems flags a non-fraudulent transaction as fraudulent and, thus, refuses it.

The value of false declines per year now stands at $118bn and this is more than 13 times the $9bn lost annually to card fraud[2]. It has been estimated that one in six cardholders experienced a false decline because of (incorrectly) suspected fraud[3].

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Making the holiday shopping season safe, secure and profitable

Balancing Security And Festive Cheer During The Holidays

Black Friday and Cyber Monday were once strictly American phenomena but are now being adopted by retail worldwide. They mark the beginning of a retail bonanza that often lasts well into February.

Shoppers rush to buy goods at discount prices on Black Friday and Cyber Monday and then continue shopping throughout December until Christmas, before the next spending frenzy of the January sales begins in earnest.

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