Sharing Forter’s intelligence pre-authorization helps issuers approve more legitimate customers and reduce false declines

NEW YORK, Nov. 5, 2026 /PRNewswire/ — Forter, the Trust Intelligence platform for the future of commerce, today announced a collaboration with Marqeta, Inc, the global modern card issuing platform, bringing Forter’s pre-authorization risk intelligence to issuers on Marqeta’s platform. Together, the companies are delivering more risk-informed decisions to each issuer, leading to higher approval rates, fewer false declines and a better experience for legitimate customers.

Forter data shows that more than 40% of issuer fraud declines are legitimate customers. These transactions are declined because issuers often lack sufficient data to properly assess risk. This has a direct hit on the bottom line for merchants, including the loss of sales and potentially customer lifetime value.

Marqeta, whose card programs span some of the fastest-growing fintechs, marketplaces, and embedded finance platforms, joins a growing network of banks and issuers that receive Forter’s pre-authorization data. This data plugs directly into Marqeta’s Real-Time Decisioning offering and AI-powered Risk Score, giving both issuers and networks sharper decisioning capabilities to approve more legitimate transactions while keeping fraud in check.

“By collaborating with Forter, Marqeta is bringing advanced fraud prevention directly into the payment decisioning layer, giving our customers a smarter defense against threats,” said Eugenia Gibbons, Chief Product Officer at Marqeta. “Embedding their risk intelligence into our Real-Time Decisioning offering allows our customers to approve transactions with greater confidence and less fraud risk.”

Forter’s Payment Optimization is a leading solution in the industry that gives merchants a direct API connection to share Forter’s fraud decisions, risk insights, and transaction data with card-issuing banks. Issuers trust Forter’s risk assessment on transactions and the quality of its intelligence, empowering them to approve with greater confidence and relax decline logic that would otherwise decline legitimate customers.

Forter’s existing issuer partnerships continue to prove the value of this approach, with one of its merchants seeing results as high as a 53% reduction in false declines and a 7% increase in authorization rates within the last three months. These outcomes translate directly to recovered revenue for merchants and a better experience for cardholders.

“False declines are a direct hit on the bottom line,” said Aaron Begner, Vice President of Strategic Partnerships, Forter. “Forter’s mission is to give trusted customers a great experience every time to help merchants drive profitable growth. Our partnership with Marqeta brings our intelligence to even more issuers and merchants, driving better results for the entire commerce ecosystem – issuers, merchants and customers.”

For more information about Forter’s payment solutions, visit: https://www.forter.com/platform/payment-optimization.

About Forter

Forter delivers AI decisions built for the commerce moments that matter. Powered by a global identity network, our AI makes instant trust decisions from sign-up to checkout to returns — so every trusted customer always gets the experience they deserve. Nordstrom, Instacart, Priceline, and nearly 1 million businesses trust Forter to keep the right customers coming back. Zero friction for the customers who matter. No revenue left behind. Learn more at Forter.com.

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SOURCE Forter, Inc.