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Most businesses know who their best customers are. They’re daily players, frequent shoppers, power users; they’re the 20% that account for ~80% of revenue.
Your best customers are often your most trusted users. So why not treat their payments accordingly?
Not every transaction holds the same level of risk. A customer safely transacting on your platform every day is inherently lower risk than a new, unknown user.
Aeropay’s Trusted User Program is an intuitive feature that helps businesses identify trusted users and update their status in real time.
"Payments have become increasingly restrictive and expensive in an effort to mitigate risk. But not every transaction carries the same risk profile. Merchants need tools to distinguish between trusted and unknown users in order to act on that difference in real time.”
In this article, learn how the Trusted User Program reduces transaction costs and improves merchant flexibility.
User Reputation APIs allow Aeropay merchants to easily assign special statuses to trusted customers, or block bad actors.
Use Aeropay's User Reputation APIs to:
This flexibility gives businesses more control over cost, risk and experience.
The Trusted User Program’s enhanced classification helps businesses create optimal payment systems. Granular distinctions between users helps to determine their risk assessment and permissions.
Users types include:
Standard Users come with limited historical transaction data. They’re likely new; either to your platform, to Aeropay’s user network, or to both.
Standard User payments are guaranteed, meaning Aeropay accepts their associated risk and guarantees settlement. This is a valuable feature to protect against returned payments.
Learn more about guaranteed payments.
Not every user requires additional protections. These customers are trusted.
Merchant Trusted Users have demonstrated good behavior on your platform. They’re transacting regularly, without issue.
Businesses can update a user's reputation status in Aeropay to ‘Trusted Reputation’ which will route their future transactions more affordably, with less friction.
User reputation can be managed and adjusted on a one-to-one or one-to-many basis via API or merchant dashboard.
Aeropay has the unique ability to recognize and understand user behavior across our growing network. Any previous Aeropay users with trustworthy behavior will provide context that can be recommended for additional Merchant Trusted Users.
Network-level recognition makes new user onboarding 3x faster and helps reduce failed payments by 30%+.
Every platform has bad actors. Easily block users that are not following your community standards by updating their status in real time.
Bonus: Aeropay preventively blocks bad actors across our network to minimize upfront risk.
The Trusted User Program is an important tool to help create optimal payment systems. With better visibility into who your users are and how they behave, you can build smarter payments that aligns with your risk tolerance and growth goals.
Benefits of User Reputation management include:
Trusted Users do not require additional verification checks, meaning they’re up to 50% more affordable than Standard Users. Create optimal processing costs without sacrificing reliability or risk.
Give your best users a frictionless experience with fewer declines and faster verification.
With network-level recognition, trusted users from other Aeropay-integrated platforms are identified immediately. This helps you move faster and reduce drop-off.
Set different thresholds and protections for different user types. Block bad actors early, and let good users keep moving.
By assigning trust dynamically, you reduce the effort required to transact and drive repeat engagement.
No black boxes. You see how user types are defined, how decisions are made, and how risk is handled — all in real time.
Historically, payments providers have hidden their margins and left merchants without the necessary flexibility for payments optimization.
Payments optimization involves using real time data to improve how payments are routed, priced and approved.
Aeropay empowers businesses to build the most optimal systems possible. The Trusted User Program helps you create and scale efficient, reputation-driven payments.
Use the Trusted User Program to streamline payments optimization with:
