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How a Leading LATAM Acquirer Increased approval rates by +3pp and reduced 3DS usage by 20% without increasing chargebacks
Context
Tier-1 regional e-commerce acquirer with high CNP volume and strong pressure to improve approval rates. Two anti-fraud solutions in place (external + in-house), both rules-based, with no machine learning and high engineering effort required to operate and maintain.
Initial Challenges
Chargebacks under control, but low approval rates and high false positives
Excessive use of 3DS
High friction and increased costs for merchants
Challenge
Improve approval rates and reduce 3DS usage while maintaining a low chargeback rate.
Solutions
We implemented GatekeeperX, our real-time fraud prevention solution, replacing both the external provider and the in-house system.
-3 weeks
Measurable results
17 million
Transactions evaluated per month
100%
Coverage of Card-Not-Present (CNP) transactions
USD 200K
Incremental net revenue / month
250ms
In p99.9 latency
100%
Availability
GatekeeperX enabled
Optimization of rules with AI support and no operational burden on engineering teams
Integration of 150+ new transactional features
Use of a machine learning model to support scoring and rules