Authorization Lift

False declines are a serious problem for financial institutions and their cardholders. Authorization Lift from Fiserv helps financial institutions to balance fraud mitigation with the efficient experiences consumers expect. 

Authorization Lift leverages new technologies and financially focused analytics to reduce false declines while increasing profitability and portfolio growth. Enhanced authentication and authorization strategies are used in combination with intelligent cardholder notifications to put the focus on revenue growth and consumer satisfaction.

Improved Consumer Experience

Top of Wallet/Brand Reputation

Maximizes Portfolio Profitability

Eases Fraud Loss Burden

Protects Customer Lifetime Value

Losses that occur as a result of false declines are projected to reach $443B in the U.S. by 2021.

Source: "The E-Commerce Conundrum: Balancing False Declines and Fraud Prevention," Aite Group, July 2019

The Negative Impact of a False Decline

  • Consumer completes purchase with a different card
  • Consumer walks away embarrassed and frustrated
  • Declined card not used for next purchase
  • The opportunity is created for the consumer to have a positive experience with a competitor's card

Case Study: Authorization Lift Helps a Credit Union Grow Their Business


increase in point-of sale transactions per cardholder year over year


increase in active card usage with Authorization Lift helping to manage false declines


growth in transaction spend, interchange revenue and transaction count with the credit union’s portfolio health continuing to grow

Note: These rates relate to a specific portfolio within the Authorization Lift proof of concept phase. Individual results may differ.  

Learn more

For more information on Authorization Lift and other Fiserv solutions, call us at 800-872-7882 or contact us.

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