inai (YC S21)

Are Your Auth Rates Optimized? ?? Understanding Your Payments Data: The Key to Unlocking Revenue Potential In today's competitive landscape, understanding how and why your customers' payments succeed or fail is essential. Many companies are sitting on a mountain of untapped payment data that holds the answers to pressing business questions: 1) Are our auth rates optimized? 2) Do order-level rates indicate where we're losing customers? 3) What insights does our payment data reveal about gaps in our current setup? Without a structured approach to payment observability, these insights remain hidden, leaving companies vulnerable to revenue leakage, high churn, and lost growth opportunities. ?? Enter Payment Observability: Observability tools like Observe empower businesses to: - Monitor in Real Time – Gain instant visibility into every payment flow and error, so you’re never in the dark about why transactions fail. - Boost Customer Experience – Understand customer behaviour at each stage, reducing friction, preventing failed payments, and building loyalty. - Optimise Auth Rates – Maximise revenue by identifying patterns and improving authorization rates through data-driven decisions. - Stay Ahead with Insights – Leverage actionable insights to identify payment anomalies and fix revenue leakages. The Bottom Line: Every piece of payment data you’re currently sitting on could be a missed opportunity for revenue and customer satisfaction. With Observe, you’re not just tracking transactions; you’re understanding your customers’ payment journey in detail, uncovering hidden patterns, and driving impactful results. ?? Ready to Elevate Your Payments Strategy? Don’t let valuable data go to waste. Observe is your path to a seamless, optimized payment experience that keeps customers engaged and revenue flowing. Sign up for a demo now : https://lnkd.in/gZUqYnER Get a free payment health check with inai Observe and uncover hidden revenue opportunities! Don’t let payment issues slip by—find out where you might be losing revenue today : https://inai.io/contact-us #PaymentsOptimization #PaymentData #PaymentObservability #AuthRates #CustomerRetention #FintechInnovation #RevenueOptimization #Observe

Last night inai (YC S21) were joined by a host of payments professionals and clients to enjoy good food,?drink and company at The Hoxton Southwark. There is nothing better than coming together to share common experiences. We enjoyed great conversation on the current payments challenges faced by some leading brands across a variety of industries, along with how they are managing these through payments analytics, optimization and insights. Thank you for a great evening Alistair Chaytor Mark Beresford Brent Hobson Jake Black Rianne Vervuurt MSc, MA Terry Parsons Aasim Mirza Saagar Bains Jasper Ehrhardt Paul Bolton for joining Mike Evennett Anantharaman Pattabiraman We look forward to our next networking dinner night. #payments #dinner #AI #paymentsoptimization

?? The Power of Real-Time Alerts: Stay Ahead of Payment Anomalies! When it comes to payment observability, timing is everything. Your ability to quickly identify and act on anomalies can make the difference between a smooth transaction and a lost revenue opportunity. Without the right alerts in place, businesses are essentially flying blind — missing out on key insights, potential fraud, and transaction issues that could be costing them more than they realize. ?? Customize Alerts Based on What Matters to You ?? With inai Observe, you can set custom alerts tailored to your business needs, helping you stay on top of critical events. Here’s how: Customize by Measurement - Threshold-Based – Set limits for key metrics. - Variance-Based – Get alerted on unexpected changes. - Range-Based – Capture anomalies within specific ranges. Customize Alerts by Severity - Chargeback – Know if chargebacks are starting to trend up on certain BINs or issuers - Payment Failure – Know instantly when a payment success rates start to deprecate - High Pending Rate – Track unusual pending transactions. Choose Your Notification Method Slack, Email, – Stay informed wherever you are. Why Real-Time Alerts Matter The sooner you’re notified of anomalies, the quicker you can act to prevent fraud, reduce chargebacks, and improve payment performance. Missing these insights could lead to: ?? Missed Revenue – Unresolved payment failures or chargebacks can cause your business to lose revenue. ?? Customer Friction – Unaddressed payment issues can frustrate your customers, leading to churn and damaging your reputation. ?? Reputational Risk – Not monitoring the health of your payment stack in real-time could result in undetected issues that affect your brand’s trustworthiness. With inai Observe, you can ensure that you’re always in the loop and ready to act. Custom alerts are essential to staying ahead of issues and optimising your payment performance. Schedule a demo with Observe : https://lnkd.in/gZUqYnER Get a free payment health check with inai Observe and uncover hidden revenue opportunities : https://inai.io/contact-us #paymentalerts #paymentobservability #realtimealerts #paymentoptimization #fraudprevention #chargebacks #AI #dataanalytics #inaiObserve #paymentdata #fintech #payments

Decode Fraud Metrics, Tackle Chargebacks, and Uncover Their True Cost! As businesses scale and payments become more complex, payment fraud and chargebacks pose a growing threat. These two challenges not only impact your bottom line but also affect your reputation and customer loyalty. So, how can you stay ahead? 1. Tracking Your Fraud Metrics: The Core of Prevention It’s no longer enough to just monitor transactions. To effectively manage fraud, you need to understand key fraud metrics that tell you exactly where vulnerabilities lie. Key metrics to track include: ?? Fraud Rate – The percentage of total transactions flagged as fraudulent. A higher fraud rate could signal that your fraud detection system needs attention. ?? Chargeback Ratio – The proportion of chargebacks relative to total transactions. If this ratio is too high, it can lead to costly fines, penalties, or even termination by your payment processor. ?? False Positive Rate – The rate at which legitimate transactions are flagged as fraud. Too many false positives can create friction for customers and result in lost revenue. 2. The Cost of Chargebacks: It's Not Just About Fees Chargebacks are far more than a financial burden; they’re a direct indicator of fraud risk and can quickly escalate if not managed. The costs associated with chargebacks include: ?? Direct Costs – Transaction fees, chargeback fees, and the cost of refunded transactions can quickly add up, cutting into your profit margins. ?? Compliance Risks – High chargeback ratios can put your merchant account at risk. Payment processors may impose penalties, or worse, shut down your account. ?? Reputational Damage – Excessive chargebacks reflect poorly on your business. Customers may see your brand as untrustworthy, leading to churn and negative reviews. But perhaps the biggest cost is the opportunity loss when resources are spent handling disputes instead of focusing on growing the business. 3. Actionable Insights: Reducing Fraud & Chargebacks with Data-Driven Strategies With inai Observe, you gain access to critical tools that help you mitigate fraud risk and optimise your payment processes: ? Understanding the Impact of Fraud Rules – Understand the impact of your fraud rules on your business in terms of auth rates and chargeback ratio. ? Chargeback Reason Codes – Understand why chargebacks occur and identify if there are specific BINs / issuers or other trends to help reduce them ? Smart Insights – Leverage insights to identify opportunities. For e.g. chargebacks occurring on 3DS transactions after liability shift or disputes coming through beyond the dispute window.? Schedule a DEMO : https://lnkd.in/gZUqYnER Get a free payment health check with inai Observe and uncover hidden revenue opportunities : https://inai.io/contact-us #fraudprevention #chargebacks #paymentoptimization #paymentsecurity #fintech #AI #dataanalytics #paymentfraud #inaiObserve #paymentdata

??Black Friday 2024 sales are projected to surpass $20B!?? Staggering Sales, Missed Opportunities, and Rising Risks - The High Stakes of Black Friday : ?? $18.6B processed by Stripe in 2023 alone ?? 10% of transactions fail on average—leading to abandoned carts ?? Fraud attempts spike by 30% during high-traffic events With volumes surging 500%, cross-border complexities, and rising fraud risks, are your payments ready for the holiday madness? ?? Learn how to overcome these challenges and maximize revenue with real time observability, monitoring and actionable insights! ?? Check the comments for the full blog ??

1?? Why Order-Level Auth Rates Matter? When it comes to payment success, Order-Level Auth Rates are a critical metric. Whether you're a subscription business or a one-time payment model, optimizing your order-level authorization can be the difference between a smooth checkout experience and abandoned carts. - Subscription Use Case: For subscription businesses, a failed order means not only lost revenue but also customer churn. With Observe, you can track the performance of your retry strategy and identify if you are retrying too much on category 1 errors or not retrying enough on soft declines to reduce payment failures. -One-Time Payment Use Case: In e-commerce, every failed payment on a one-time purchase represents an immediate lost opportunity. With Observe, you can track the customer journey after a failed payment , quantify the dollars lost due to cart abandonment and track the migration across different payment methods 2?? How to Leverage Data to Optimise Payment Performance Now that we understand why order-level auth rates are important, let’s look at how you can leverage your payment data to optimise payment performance: ?? 3D Secure (3DS) Optimization By analysing 3DS performance at a granular level (issuer, BIN, market etc), you can identify which transactions to send to 3DS and what flows to use (frictionless / challenge) in order to? improve the 3DS flow, leading to higher approvals and a better customer experience. ?? A/B Testing to Improve Auth Rates Use A/B testing to experiment with different payment routing strategies and constantly improve your authorization rates. Test variations like: 1) PSP (Payment Service Provider) routing 2) Different retry strategies by understanding the decline codes across processors. Optimise your retry strategy to recover more from soft declines while avoiding excess retries on category 1 declines. ? Identify Payment Anomalies Leverage your payment data to identify which BINs / issuers / processors are driving declines at your storefront or to help benchmark performance of your processors across different BINs. Quickly identify deprecation in performance metrics at a granular level (specific storefront, issuer, business unit / payment method level) to take corrective action. 3?? Ready to Dive Deeper? If you want to learn more about optimising auth rates, leveraging A/B tests, fine-tuning your payment routing decisions, and using payment observability tools to boost your performance—we’ve got you covered via inai Observe. Sign up here : https://lnkd.in/gZUqYnER #PaymentsOptimization #AuthRates #PaymentPerformance #SubscriptionBusiness #OneTimePayments #3DS #PaymentRouting #ABTesting #PaymentData #Fintech #Observe

?? The inai (YC S21) team had an amazing time at Money20/20 in Las Vegas! We connected with industry leaders, innovators, and forward-thinkers, all while diving deep into the latest in payments data, optimization, and GenAI. Here are some key takeaways: ?? Flexibility is essential. As we push for innovation, nurturing key relationships remains crucial—change is only effective when it’s built on a strong foundation. ?? Payments data is becoming more transparent, with increased merchant-to-issuer data sharing that enables improved decision-making and risk management. ?? GenAI and AI-driven analytics are no longer future concepts—they’re powering real-time fraud detection, enhancing trust and safety, and enabling more efficient operations. AI, when combined with diverse, accurate data, is a true force multiplier. ?? Payment optimization isn’t one-size-fits-all. We saw firsthand how combining AI/ML and low-code solutions can be game-changers for merchants with limited resources, helping them do more with less while maximizing revenue. At inai (YC S21), we're thrilled to be part of this dynamic ecosystem, helping businesses optimize payments, drive growth, and shape the future of fintech. Mike Evennett Anantharaman Pattabiraman #Money2020 #LasVegas #PaymentsOptimization #GenAI #DataAnalytics #Fintech #MerchantSolutions #FraudPrevention #FutureOfFinance #EmbeddedFinance

?? The inai (YC S21) team had an amazing two days at the Payments Leaders' Summit' in London! ??? We dove deep into impactful discussions with merchants and partners, exploring the future of payments. ?? Key Highlights: ?? Panel insights on the role of #AI ?? and innovation in boosting conversion rates and reducing fraud. ?? inai (YC S21) proudly hosted a Roundtable on #Optimisation & #Analytics. The demand was so high, we needed two tables! ?? Huge thanks to all the brilliant contributors who made it a success! Top Takeaways: ?? Payments optimization is now a key focus for merchants wanting to leverage their data and cutting-edge technologies. ?? Cost reduction remains a hot topic for businesses trying to improve margins. ?? Reducing involuntary churn to increase customer LTV is a priority for subscription merchants. ?? Network tokens, payment orchestration, and fraud in the age of #GenAI are shaping the future of the industry. What’s your key focus in payments? Let’s keep the conversation going! ???? #payments #AI #GenAI #paymentsummit #conversion #PLSUK #inai #involuntarychurn #fraud #optimisation #subscriptions #paymentorchestration Many thanks to Payments Leaders' Summit for organizing the event and to all the industry leaders for their valuable contributions! ?? Anantharaman Pattabiraman Mike Evennett Alistair Chaytor?Stuart Butler Chetan Pandya Teri Andradi-Brown Lise-Ann Brennan??Christophe EVROT David Morgan

?? Exciting Highlights from the PLS Amsterdam Summit! ?? Our team was thrilled to attend the event on September 23-24, where we connected with industry leaders and gained valuable insights. Here are some key takeaways from our conversations with merchants: ?? Optimizing Payment Costs: - Many merchants rely solely on PSP invoices, viewing them as final, without the resources to verify if they’re paying accurate fees. - They often lack visibility into all payment costs, both at the transaction level and platform fees like retries, 3DS, network tokens, etc. ?? Reducing Involuntary Churn: - Up to 50% of churn is involuntary, which can heavily impact recurring revenue when left unchecked. - Most merchants employ basic retry strategies, but fail to consider factors like decline codes, MCC codes, or payment instruments, resulting in significant involuntary churn and millions in lost revenue. ?? Payment Optimization: - Payment optimization, alongside Orchestration, was a major focus for merchants. - Many realize that the key to better payment performance lies in unlocking the potential of their payment data. - Building a strong data infrastructure that enables granular insights and anomaly detection is now a top priority. A big thanks to Mike Evennett, Anantharaman Pattabiraman and all the fantastic attendees for the great conversations and shared insights! Together, let’s continue to push innovation in the payments industry. #PLSAmsterdam #Payments #InvoluntaryChurn #DataDriven #CustomerAcquisition #PaymentOptimization #inai #Networking #Innovation #PLSEU

Failed subscription payments are often misunderstood as "minor operational expense". But in truth, its the biggest stream of revenue loss. When a payment fails, you're not just losing one transaction—you’re forfeiting the entire lifecycle value of a paying customer. Even a 2% of churn on your MRR will compound to losing ?? 21.5% of your existing customer base annually . Sending 10 emails after a payment failed , is this a solution? Certainly not ! Evolving your retention strategy is the ?? ? ???????? ???????? ?????? ???????????????????? ???????? ????????????????????????????????? ????????. ? ?????????? ??????????????, leverage from low code tools like inai (YC S21) to implement ML-driven retry strategies analyzing 300+ parameters to improve timing and payload. [to ensure 5-15% ARR ?? growth]. #churn #recurringrevenue #failedpayments #subscription