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Discover® Enhanced Decisioning
Reduce false declines and increase approval rates
Improve the customer experience for Card-Not-Present (CNP) transactions with Discover® Enhanced Decisioning.
Improve the customer experience for Card-Not-Present (CNP) transactions with Discover® Enhanced Decisioning.
What is Discover Enhanced Decisioning?
Enhanced Decisioning allows merchants to share real-time customer checkout data with issuers during authorization for CNP transactions. Issuers are able to use the data to make a more informed decision to approve or decline a transaction.
How it works
Discover Enhanced Decisioning leverages issuer machine learning models to connect a broad range of customer and transaction data with spending patterns using a risk-based authorization approach.
Customers enter their information on a merchant’s website to make a purchase.
Merchants capture and populate the data.
Discover Global Network routes additional data to issuers.
Issuers use the real-time data in decisioning and then approve or decline the transaction.
Benefits to merchants and acquirers
Reduced fraud
Data helps issuers make more informed decisions to approve or decline a transaction.
Increased revenue
Higher approval rates, lower fraud-related false declines, and no cost to participate.
Simplified experience
Smoother checkout experience with less friction for all parties.
Getting Started
Acquirer and Acquirer Processor Certification
Work with your Account Executive to certify relevant fields to start sending enhanced data.
Merchant Certification
Contact your Acquirer Processor to ensure they support relevant data fields.