--- title: "'Tis the season to secure sales: How to improve authorisation rates for your business" description: How can you optimise your authorisation rates and make the holiday shopping journey merrier for users? Find out in this week's blog. image: https://www.cashflows.com/hubfs/Christmas%20sales%20authorisation%20rates.jpg --- [![blue_logo](https://www.cashflows.com/hs-fs/hubfs/Blog%20images/Blog%20Images%202021/blue_logo.png?width=143&height=26&name=blue_logo.png) ](https://www.cashflows.com) - Products - [ Payment Processing ](https://www.cashflows.com/solutions/payment-processing) ![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### [Payment Processing](https://www.cashflows.com/solutions/payment-processing) Fast, secure, easy - card processing to support your business #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) - 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Partner with us - Shift - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) Back [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/solutions/payment-processing) ##### Features #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) Back [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/solutions/point-of-sale) ##### Features #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) Back [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/solutions/online-payments) ##### Features #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) Back [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) Back [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/solutions/omnichannel) ##### Features Back [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) Back [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/solutions/solutions-for-sectors) ##### Features #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) [![arow](https://www.cashflows.com/hubfs/Group%2021%20(3).svg)Explore our blog library](https://www.cashflows.com/blog) [Insights](https://www.cashflows.com/blog/tag/insights) [Featured](https://www.cashflows.com/blog/tag/featured) # 'Tis the season to secure sales: How to improve authorisation rates for your business ![Christmas Sales; Authorisation Rates; Improve Authorisaiton Rates; High Authorisation rate; improve conversions; reduce declines](https://www.cashflows.com/hubfs/Christmas%20sales%20authorisation%20rates.jpg) [By Cashflows Press Team](https://www.cashflows.com/blog/author/cashflows-press-team) Every time a customer attempts a payment, their bank needs to confirm the availability of funds and verify the transaction's legitimacy. Authorisation rates measure the proportion of attempted payments that are successfully authorised and completed. Having a high authorisation rate shows that your customers are able to pay seamlessly, which increases conversions, rather than their cards getting declined, excess friction I the process, and your business losing sales as a result. As the countdown to the holiday sales begins, ensuring a seamless and secure authorisation process becomes even more critical. Enhancing authorisation rates during this festive period is key to boosting revenue and ensuring a top-notch shopping experience for customers. But how can you optimise your authorisation rates and make the holiday shopping journey merrier for users?   ##### Embrace Digital Wallets Introduce digital wallets like Apple Pay and Google Pay as payment options. These methods often boast higher acceptance rates due to their reliance on secure biometric data, ensuring smoother and more accurate authorisations.   ##### Optimise Payment Flow Tailor your payment flow to the holiday season. For businesses with deferred payments, strategically choose the best time to charge customers and the optimal amount. Consider collecting a percentage upfront and the remainder upon completion to strike a balance between customer experience and revenue optimisation.   ##### Collect Comprehensive Billing Information Enhance trustworthiness by collecting and submitting detailed billing information, signalling credibility to banks and increasing the likelihood of payment verification.   ##### Implement 3D Secure 2.2 Check with your payments provider that they are using 3D Secure 2.2 (3DS2.2), a robust payments security protocol, to significantly improve authorisation rates. Its advanced verification processes, including multi-factor authentication, reduce cart abandonment and boost conversions, ensuring a secure yet streamlined payment experience.   ##### Combat Fraud with Vigilance Maintain low levels of fraudulent activity by investing in reliable fraud detection and prevention systems. Customise rules to categorise transactions based on risk levels, utilizing machine learning to make accurate decisions. Preventing fraud enhances your business's reputation and contributes to higher authorisation rates.   ##### Understand Response Codes Familiarise yourself with response codes, as they provide insights into the success or decline of a card transaction. Use these codes strategically, retrying soft declines and avoiding retries for hard declines. Automation triggered by decline codes can personalise customer interactions and optimise the payment journey.   As you gear up for the festive rush, optimising authorisation rates can significantly impact the success of your Christmas sales. Higher authorisation rates translate to more completed payments, leading to increased revenue, a vital factor for the success of online businesses during the festive season. Successful transactions also contribute to a positive customer experience, crucial for retaining and building customer relationships. At Cashflows, we provide our customers with comprehensive real-time customer data from all of their channels all in one place, providing crucial insights into declines and authorisation rates. Our team works hard to ensure that our customers have the tools they need to understand and improve their authorisation rate and give their customers  seamless payment experiences. [To find out more about our data reporting click here](https://www.youtube.com/watch?v=FMZN7bAgDeM&t=1s). To contact our team and[ find out more about how we can support your business to grow click here](https://www.cashflows.com/contact?hsCtaTracking=ebf236d4-b8e7-44fd-9c39-2efc0ee0daf1%7Cb15463a8-ce6d-4c89-9847-ba142d86599c). ## Related Stories [![Selecting the best payment terminal for your business](https://www.cashflows.com/hubfs/IPP%20Blog.jpg) Insights Featured ## Selecting the best payment terminal for your business In-Person Payments Made Easy "When selecting a terminal for processing payments in your business, ... ](https://www.cashflows.com/blog/in-person-payments-made-easy) [![Strategies to enhance your checkout experience](https://www.cashflows.com/hubfs/ECEXP.jpg) Insights Featured ## Strategies to enhance your checkout experience In the world of eCommerce, a seamless checkout experience can be the difference between closing a ... ](https://www.cashflows.com/blog/enhance-your-checkout-experience)