How High Social increased auth rates by 13% with PaymentKit

High Social

CASE STUDY

High Social, a subscription-based digital business, began processing payments in 2020 using a single provider. Despite consistently low chargeback rates (below 0.5%), the company was notified, without prior warning, that its processing services would be discontinued immediately.

This abrupt termination highlighted a critical risk: the lack of payment credential portability. Without token portability, migrating away from a single processor under such short notice typically requires requesting updated payment information from all existing subscribers, a scenario that introduces significant churn risk and immense operational complexity

Payment continuity through independent tokenization

Prior to the shutdown, High Social had implemented PaymentKit’s network-token vault architecture. This allowed the company to seamlessly transition to an alternative payment gateway without exposing customers to any internal workflow changes.

Recurring billing continued uninterrupted, and subscription retention was not impacted by the transition.

Authorization rate optimization

To reduce single-provider dependency, High Social added multiple payment processors to its PaymentKit environment. PaymentKit’s intelligent routing and cascading logic automatically retried failed transactions across a range of secondary processors. With performance visible across processors, the team could compare success rates across PSPs, and adjust routing accordingly.

This strategy increased authorization rates from 63% to 76%, producing a significant increase in recovered revenue.

Authorization rates increased from 63% to 76%

Fraud & risk controls

Alongside improving payment continuity and authorization performance, High Social needed to reduce card-testing noise that was driving disputes and operational overhead. Using PaymentKit’s rules engine, the team implemented:

• Country-based restrictions
• BIN-level velocity controls
• IP-based velocity monitoring

These measures significantly reduced fraudulent attempts, lowered dispute volume, and helped keep chargeback rates stable.

Business impact

PaymentKit enabled High Social to:

• Reduce processor concentration risk
• Maintain payment continuity during provider changes
• Improve authorization performance through multi-processor routing
• Strengthen fraud prevention and operational control

The company is currently evaluating additional capabilities, including advanced cascading logic and intelligent dunning strategies to further improve revenue retention.

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