How Doublelist reduced processing costs by 24% with PaymentKit

DoubleList

CASE STUDY

DoubleList operates in the dating category, a segment many acquiring banks and payment processors classify as high risk. As a result, processor availability is limited, and merchant account stability is a critical operational concern.

Historically, DoubleList used Chargebee for subscription billing. Because the platform does not support independent network token storage, payment credentials were tied to individual processors. In the event of a merchant shutdown, the company would have been required to recollect payment credentials from subscribers, introducing substantial churn and revenue risk.

Additionally, the prior setup did not support simultaneous multi-processor usage, preventing both cascading and strategic volume distribution across acquiring relationships.

Independent tokenization and processor redundancy

Following migration to PaymentKit, DoubleList moved its payment credentials into an independent network-token vault. This enabled the business to distribute processing across multiple separate processors, reducing concentration risk.

Today, DoubleList spreads volume across three payment processors. If one provider goes offline or restricts processing, a scenario common in high-risk industries, transactions can immediately shift to another processor without requiring subscribers to re-enter payment details.

DoubleList spreads volume across three payment processors

Authorization optimization and volume strategy

PaymentKit’s smart routing and cascading logic allowed DoubleList to improve authorization performance while balancing volume across multiple acquiring partners. In the 60 days after implementation, the company saw authorization rates increase by over 7 percentage points.

Maintaining diversified processor relationships also supported stronger banking partnerships, increased capacity allocation, and improved risk positioning.

Fraud controls for low-average order value

DoubleList’s low subscription pricing created exposure to card-testing attacks. Using PaymentKit’s configurable fraud framework, the company implemented:

• Velocity-based transaction limits
• Region and country-level blocking
• Automated filtering rules

These controls reduced fraud exposure and helped stabilize chargeback ratios, and suspected card-testing traffic fell from 0.75% to 0.05% of attempts.

Payment processing costs reduced by 24%

Business impact

PaymentKit enabled DoubleList to:

• Reduce dependency on a single processor
• Protect subscription continuity through token portability
• Increase authorization performance using cascading logic
• Improve fraud control for low-ticket transactions
• Lower payment processing costs by 24%

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