Payment processors handle high transaction volumes and must maintain stringent security standards. Legacy applications and manual workflows often create bottlenecks, expose businesses to fraud risks, and consume valuable support resources.
This company recognized that relying on manual verification for bank account updates and profile changes was not scalableespecially as they expanded globally. They needed an automation platform that could enforce strict security protocols while enabling merchants to self-service critical updates with confidence.
Challenge
Before Decisions, the company faced:
- Rigid custom applications that required extensive effort to modify.
- Manual verification processes, increasing the risk of human error and fraud exposure.
- Heavy support team workloads, with staff required to handle every change request.
- Limited transparency, making it difficult to track progress or ensure compliance across workflows.
Solution
The company implemented Decisions to create a secure self-service suite for merchants. The first proof of concept focused on automating bank account change requests, which had previously been processed manually. Key solution elements included:
- Dynamic forms and workflows that validate sensitive information (DOB, SSN, DDA) through APIs.
- Multi-layered fraud prevention, integrating with verification systems (e.g., Titan, Giact, Veratad).
- Configurable approval routing, adapting based on merchant type, ownership status, and risk profile.