Improving Credit Card Approval Rates: YTGATE Collaborates with Graniph's Online Store

YTGATE Collaborates with Graniph to Improve Credit Card Approval Rates

In a bid to optimize the digital shopping experience, YTGATE, located in Chuo, Tokyo, has announced a fruitful collaboration with Graniph, an innovative design product company based in Shibuya, Tokyo. Together, they have successfully enhanced the credit card approval rates on Graniph's official online store with the implementation of YTGATE's specialized service.

Background to the Collaboration

The collaboration was necessitated by Graniph's introduction of 3D Secure (3DS) in February 2025. This move, prompted by the guidelines from Japan’s Ministry of Economy, Trade and Industry, aimed to bolster security in online transactions. However, it led to a significant decline in credit card approval rates, potentially resulting in lost sales opportunities. YTGATE's diagnostic evaluation confirmed this drop, indicating a decrease of 10% to 15% in approval rates compared to previous figures.

Understanding the urgency, Graniph looked to YTGATE for a solution to quantify and improve these rates, resulting in the implementation of their service.

The Results after Implementation

Remarkably, within just four months following the service integration, Graniph's online store restored its credit card approval rates to previous levels. This rapid improvement translates to a substantial reduction in lost revenue opportunities, showcasing the effectiveness of YTGATE's methodologies.

Understanding Credit Card Approval Rates

Credit card approval rates are defined as the percentage of card payment requests that culminate in successful transactions. For instance, if 90 out of 100 attempts are approved, the approval rate stands at 90%. With increasing vigilance on authentication and chargeback management, card providers are more inclined to exercise risk-averse credit evaluations. This shift has resulted in legitimate transactions being unfairly declined, thereby aggravating existing issues for e-commerce platforms.

Diverse factors such as industry differences, product pricing, and the credit card companies’ unique evaluation logics contribute to varying approval rates. This complexity highlights the challenge of deriving effective solutions based solely on average rates.

The Insights from YTGATE's Research

YTGATE's research indicates a worrying trend among companies that adopted 3D Secure: an overall decline in credit card approval rates. They observed that the introduction of 3D Secure often correlates with an increase in transaction errors, causing an average decrease in approval rates by around 17.75%. While security systems play a crucial role, they cannot fully combat evolving fraudulent tactics, accentuating the necessity for tight collaboration with credit card companies.

YTGATE’s core mission is to 'Optimize Payments and Connect the World', and they strive to enhance credit card approval rates through dialogue with payment providers. Their range of services includes:

- Payment-related consulting
- Support for improving credit card approval rates
- SaaS solutions

YTGATE endeavors to optimize the overarching credit card ecosystem, working hand in hand with clients to enhance functionalities and significantly improve business growth and profitability.

Company Overview

- Graniph

Website: Graniph Website
CEO: Akihiko Murata
Location: 2-34-17 Jingumae, Shibuya, Tokyo

- YTGATE

Website: YTGATE Website
CEO: Yutaro Takahashi
Location: 1-8-2 Shin Tominaka, Chuo, Tokyo
Established: October 2, 2023

YTGATE is committed to supporting and enhancing credit card approval rates, offering comprehensive solutions focused on payment efficiency, security measures, and data visualization for credit card merchants both domestically and internationally. As specialists in the payment sector, they aim to create a seamless payment infrastructure, easing the day-to-day business transactions and lives worldwide.

For further inquiries regarding this initiative, please reach out via the following links: