TELPA AUTHORIZE
Get more payments approved, the first time and every time.
Most declines are not fraud. They are stale card data, formatting mismatches, and routing that does not match what the issuer expects. Telpa Authorize fixes them before a charge is ever submitted.
The stakes
A declined recurring payment rarely means a subscriber decided to leave. It means a card was reissued, a postal field did not match, or a charge was routed the wrong way.
Each one reads as a tiny technical event. Across a large base billing every month, they add up to one of the biggest and most avoidable sources of involuntary churn in the MVNO model.
You already paid to win these subscribers. Authorize keeps a formatting error from costing you one.
How Telpa Authorize works
Fix the payment before it is submitted.
It keeps card data current
Expired and reissued cards are refreshed automatically, so a new card number never becomes a lost subscriber.
It tokenizes
Raw card numbers are replaced with network tokens that issuers approve at higher rates and that survive a card being reissued.
It speaks the issuer's language
AI agents structure and route each authorization to match issuer and network preferences, cutting false declines on charges your subscribers fully intended to pay.
The intelligence behind it
Agents learn how issuers actually behave, not how a static rulebook says they should.
They watch which routes, formats, and tokens get approved across your traffic, and they adjust submission for the next charge accordingly. The more you run through Telpa, the sharper that targeting gets.
Capabilities
More first-attempt approvals.
Account updater
Refreshes expired and reissued cards automatically before they cause a decline.
Network tokenization
Higher approval rates and credentials that survive reissuance.
Smart routing
Each transaction is sent down the path most likely to be approved for that card, issuer, and region.
Issuer-aligned formatting
Transaction fields are structured to each issuer's preferences to reduce false declines.
The result: more first-attempt approvals on the revenue you already earned.