As digital commerce grows across Latin America and the US, merchants face a common challenge: blocking fraud without rejecting good customers.
The problem is that these two goals often pull in opposite directions. Tighten the rules to stop more fraud and you start turning away legitimate buyers at checkout. Loosen them to approve more transactions and you expose the business to chargeback losses. Most teams end up stuck in this trade-off, which is a common friction point between business and risk management units.
But this trade-off can be optimized. When a risk engine only sees part of the picture, it tends to play safe and declines anything that looks uncertain. If we give it richer context, the output changes: more good customers are approved, and genuine fraud becomes easier to isolate.
At DEUNA we know that solving this requires a data-first approach. Here is how focusing on the right data points, intelligent routing, and AI can unlock higher approval rates for your business.
To assess risk correctly and boost approval rates, antifraud providers and payment processors need a complete picture of every transaction. Sending just the amount and credit card number is not enough.
Providing more data points allows risk engines to make accurate decisions. This includes standard inputs like billing, shipping, and item details, but also industry-specific data like airline legs and passenger details, along with device fingerprinting. Giving fraud engines this exact context helps them separate genuine buyers from fraudsters, directly reducing false declines.
Managing different scripts and data requirements for multiple providers is technically demanding. DEUNA simplifies this process entirely.
Our platform is built to handle device fingerprinting scripts for every antifraud and payment processor configured in your payment strategy. Moreover, DEUNA already has a comprehensive API specification ready to receive all this important information. You integrate just once, and DEUNA maps and routes this enriched data to the right providers, saving your engineering team valuable time.
Instead of immediately rejecting transactions marked as medium or high risk by antifraud systems, merchants can use 3D Secure (3DS) to uplift sales.
By triggering 3DS for suspicious transactions, you authenticate the user instead of losing the sale. When you enrich both 3DS and your antifraud providers with complete data points, you help them verify users accurately. The result is a direct increase in approval rates without increasing chargebacks.
A great payment strategy can fail if essential data is lost during checkout. This is why End-to-End (E2E) testing is critical before launching to production.
Thorough E2E testing prevents surprises. It raises visibility into any data points that cannot be obtained by the merchant during the checkout process. Understanding how missing data negatively impacts the approval rate allows your team to fix the flow before going live, ensuring your setup works exactly as planned from day one.
To speed up onboarding, DEUNA uses a powerful AI tool to rapidly integrate payment providers.
This tool automatically finds the key data points required by specific providers to increase approval rates. By analyzing data requirements quickly, our AI helps merchants achieve the optimal setup faster, removing the guesswork from new integrations and optimizing the revenue strategy immediately.
Improving approval rates is not about taking blind risks; it is about providing the right context. When your payment processors and antifraud engines receive fully enriched data, they stop making cautious guesses and start approving more legitimate transactions.
DEUNA is engineered to make this level of data enrichment your standard. By unifying everything, from our comprehensive API and seamless device fingerprinting to smart 3DS routing and AI-accelerated integrations, we ensure your payment stack always has the exact context it needs to maximize conversions. In dynamic markets like Latin America and the US, turning complex transaction data into clear risk signals is how you unleash your true sales potential. Let DEUNA handle the orchestration complexity, so your business can confidently manage risk and accelerate growth.
