Payments
Authorization rate
Authorization rate is the share of attempted card charges that issuers approve, and it is a direct revenue lever for any business billing on stored credentials.
It is influenced by data quality on the request, by whether the credential is a network token, by how the transaction is flagged (customer-initiated versus merchant-initiated), and by the merchant's own decline history.
That last input is why blind retrying is costly beyond the wasted attempts. A pattern of declines against a merchant profile can depress approval on charges that would otherwise have succeeded — the damage is not confined to the transactions that failed.