Strategies to improve card-not-present authorization rates

The importance of fraud prevention and management

The implementation of robust fraud strategies by issuers significantly impacts the consumer experience. By minimizing the occurrence of fraudulent activities, issuers can ensure a smoother and more secure payment process for consumers. However, it’s crucial to strike a balance between stringent security measures and user convenience. Overly aggressive fraud detection systems may lead to false positives, causing legitimate transactions to be declined and potentially frustrating consumers.

Ready to start your journey?

Continuous innovation and adaptation are critical for CNP transaction authorization in today’s e-commerce space. As digital payments evolve, staying ahead of emerging threats and leveraging advanced technologies is essential to prevent fraud and reduce transaction friction. By adopting a proactive approach and adhering to industry standards, issuers can play a key role in enhancing the security and efficiency of CNP transactions, ultimately fostering trust and confidence among consumers. Discover more insights and key considerations in our full report.

Endnotes

1. Grand View Research, B2C e-commerce market size, share & trends report, 2030, accessed August 2025.

2. Ethoca, “3 chargeback trends and how to be ready for them,” October 11, 2023.

3. Juan G. Martín Escolar, “Maximize your approval rates: A guide for merchants,” PayU, June 13, 2024.

4. Mastercard, “Seven card-not-present fraud trends and ways to manage risk,” accessed August 2025.

5. Ivan Vorobyev and Anna Krivitskaya, “Reducing false positives in bank anti-fraud systems based on rule induction in distributed tree-based models,” Computers & Security 120 (Sept. 2022): 102786.

6. Chargebacks911, “False declines: Seeing revenue loss resulting from false declines? The solution may be right around the corner,” February 6, 2023.

7. Escolar, “Maximize your approval rates: A guide for merchants.”

8. Experian, The e-commerce fraud enigma: The quest to maximize revenue while minimizing fraud, August 1, 2022.