Approval Rate Optimization
More approvals, same traffic
BIN 414720
- MID-0776.4%
- MID-1270.2%
- MID-0361.0%now
Route to MID-07+$16,500 a week
Payment performance for subscription merchants
Approve more charges on the first try. Recover more of the rest.
Beast finds the MID most likely to approve each charge, across the payment stack you already use.
Approval Lift
Benchmark 62.3%40%80%71.6%+9.3 pts
Net approval, since launch
73.7% best day so far
Net approval
Beast onApprovals won71.6%Since launch62.3%Benchmark
Customers rescued
8,323
One every 10 minutes, since launch.
Revenue secured
$1,270,922
- Core sales$803,223
- Subscriptions$260,539
- Rebills$175,387
- Upsells$31,773
Days above benchmark
56 of 57 days
A 56-day run, still going.
Integrations
Connects to your entire payment stack.
From billing platforms and checkouts to gateways and chargeback tools, read into one view.
The platform
One platform for how your payments perform.
Keep more of the revenue you've already earned.
Your unfair edge: more approvals, same stack.
01Revenue boostApprove and recover more
Failed Payment Recovery
Win back declined rebills
A rebill declined with code 05, Do not honor, gets a retry 72 hours later, is rerouted to MID-07 and is recovered: +$49.95.
02MonitoringCatch problems while they're small
Anomaly AlertsSoon
Know the day approvals drop
An At risk alert: Approvals fell on MID-03, from 78.2% normal to 71.6% now; $12,900 a week at stake.
MID Health Monitoring
Stay ahead of card network limits
Chargeback ratio by MID over 30 days against the Visa program limit: MID-12 is near the limit at 0.91%; every other MID is well under it.
03IntelligenceSee where you make and lose money
Processor & MID AnalyticsSoon
See which MIDs perform best
Approval rate by BIN and gateway
7 daysBIN 414720 approves less on Gateway A
61.0% on A · 73.3% on C
| BIN | Gateway A | Gateway B | Gateway C |
|---|---|---|---|
| All BINs | 76.9% | 74.0% | 77.2% |
| 414720 | 61.0% | 68.4% | 73.3% |
| 426684 | 74.8% | 73.9% | 75.0% |
| 517805 | 69.3% | 72.6% | 68.7% |
Chargeback AnalyticsSoon
Know why chargebacks happen
Chargebacks by reason code
MID-12 · 30 days10.4Other fraud, card absent34%13.1Merchandise not received21%13.2Cancelled recurring18%4837No cardholder authorization15%4853Cardholder dispute12%
Beast AI
NewAsk why anything moved. Get what to do next.
Plain-English answers from every processor, MID and BIN you run, with the numbers behind each one.
Ask in
- Beast
- Claude
- ChatGPT
- Grok
Beast AI
Question: Why did approvals on MID-03 drop since Tuesday?
- Queried 7 MIDs
- Scanned 26,972 charges
- Compared each MID with its normal
Answer: Approvals on MID-03 fell from 78.2% to 71.6% this week (n = 3,912). Most of the new declines are code 05 Do not honor on BIN 414720, which MID-07 approves at 76.4%.
Question: Which declines are worth retrying?
- Read 4,267 soft declines
- Grouped them by decline code
- Compared retry timings
Answer: Retry timing is the gap. Code 05 Do not honor recovers 21% on day 3, against 15% the same day; code 51 Insufficient funds recovers 25% near payday, against 18%. Code 14 never recovers.
Question: Why are chargebacks up on MID-12?
- Read 5,480 charges on MID-12
- Grouped disputes by reason code
- Compared with the last 30 days
Answer: MID-12's chargeback ratio rose from 0.62% to 0.91% in 30 days, close to the Visa limit. Most new disputes are reason code 10.4 from Affiliate 12, about $1,200 in extra losses this month.
Question: What should we fix first this week?
- Reviewed 3 open alerts
- Sized each fix in dollars
- Checked card network limits
Answer: Route BIN 414720 first: it is worth the most, about +$16,500 a week. Then fix retry timing, about +$13,700 a week. MID-12 costs little in dollars but is close to the Visa limit, so pause Affiliate 12 today.
How it works
Live in days. Nothing to migrate.
No code in your checkout.
No change to how your customers pay.
Connect
Connect the tools you already use. Read-only by default.
- Billing platforms
- Processors
- Gateways
- Chargeback tools
7 MIDs · 26,972 charges
See
Your first alerts and the MID ledger, scored on your own data.
- MID-0180.4%
- MID-0277.9%
- MID-0371.6%
At riskApprovals fell on MID-03
Turn on
Apply the recommendations yourself, or opt in to Revenue boost.
Route BIN 414720 to MID-07
Approval 61.0%76.4%
ApplyAppliedRevenue boostRuns on your payment stackMeasure
Lift is measured on your own traffic, against a baseline set before we start.
+9.3 pts on your own traffic
Beast on
Your data
One view of every charge. One switch to act on it.
Beast reads what your tools already record.
Revenue boost routes and retries for you.
Your tools
- Billing platformsOrdersRebillsAffiliates
- GatewaysDecline codesBINsAVS and CVV
- ProcessorsSettlementsFeesReserves
- Chargeback toolsChargebacksReason codes
Issuer dataNetwork limitsBenchmarksMonitor & Analyze
- Approvals fell on MID-0378.2% → 71.6% this week
- MID-12 nears the Visa limitChargebacks 0.62% → 0.91%
- Route BIN 414720 to MID-07+$16,500 a week
- From billing platforms, Beast reads orders, rebills and affiliates.
- From gateways, Beast reads decline codes, bins and avs and cvv.
- From processors, Beast reads settlements, fees and reserves.
- From chargeback tools, Beast reads chargebacks and reason codes.
- It adds its own issuer data, network limits and benchmarks.
- It shows you approvals fell on mid-03 (anomaly), mid-12 nears the visa limit (mid health) and route bin 414720 to mid-07 (top opportunity).
- Revenue boost is opt-in. On, Beast's proprietary payment llm writes routing rules for first charges and retries declines through your payment stack: approval rate +9.3 pts, recovered by retries +$13,700 a week and first charges routed BIN 414720 → MID-07.
Case study
What six weeks on Beast looked like for one merchant.
$914,758
secured · 12 Aug to 23 Sep 2026
- Vertical
- Digital subscription
- Volume
- $3.6M a month
| Before launch (60-day benchmark before launch) | 57.1% |
|---|---|
| After launch (First six weeks, traffic Beast managed) | 70.0% |
| Change, derived | +12.9 pts |
- More customers on the same ad spend
- +22.5%
- Cost per customer
- 18% lower
“Beast Insights turned my whole business around. … Their tools use millions of retroactive data points to match transactions with merchant accounts for the highest approval opportunity and lowest refund rate.”
Who it's for
Who Beast is built for.
5 or more MIDs across 2 or more processors
Split across processors for caps and risk, with no single view of them all.
Approvals swing from MID to MID
The same BIN clears on one processor and declines on another.
Your MIDs live and die by their ratios
VAMP and ECM watch every MID. One bad affiliate can mean fines, reserves or MATCH.
You run payments and want an edge
Five portals, an order export and a spreadsheet. You need answers, not more reports.
When you don’t need Beast: fewer than five MIDs, all on one processor, with steady approvals.
Is Beast a payment processor?
No. Beast connects to the payment stack you already use and does not move money. It reads your payment data to show where approvals, declines and chargebacks move, by MID and BIN.
Does Beast change my routing?
Not by default. Beast recommends the best MID per BIN; routing through your payment stack happens only if you opt in to Revenue boost. Until then, every recommendation is read-only and you decide what to change.
Which parts of my payment stack work with Beast?
Beast connects to 19 platforms in four groups: subscription billing platforms such as sticky.io, Konnektive, CheckoutChamp and VRIO; ecommerce and checkout; gateways and processors such as NMI; and chargeback and alert tools. The integrations page lists every one. If yours is not there, ask a payments lead whether it connects today.
How is lift measured?
On your own traffic, against a baseline set before we start. In the one published case study, the baseline was the 60-day benchmark before launch.