The Open Payments Platform
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See what a Merchant Initiated Transaction (MIT) is, how it’s different from other transactions, and why it’s important for recurring billing.
Andy McHale
September 23, 2025
Advanced vaulting strategies enhance payment flexibility and business growth
Doug Fry
Spreedly’s Advanced Vault Success Story: From 2023 to Now
See the businesses and revenue benefits when optimizing for subscription payment services.
Get a better understanding of what being vendor agnostic is and the benefits.
Nick Daley
Understand what a BIN is and how much data bank identification numbers can hold.
Donna Miller
Learn how a card on file strategy benefits your payment stack.
Andrew Sjogren
The typical costs associated with vaulting payment methods as well as the areas where actual costs can come in far above expectations
The next evolution in payment method optimization is adding value to the vault
A breakdown of the fundamentals of credit card vaulting and the benefits for merchants
When your card vault has current, up-to-date cards on file, you can transact successfully. That means more revenue and happier customers. That’s why we built Spreedly’s Account Updater — to help optimize your success rates. And we’re continuing to extend our solution to make it even more powerful.
Lee Jacobs
Here we compare the decline rates between the last transactions made by cards before AU and their first transactions after AU.
Shoresh Shafei
Visa and Mastercard are adding a new set of regulations designed to identify the initial storage and usage of stored payment information. Find out how Spreedly can help
David Santoso
Spreedly's Account Updater offers an average of 150x return on spend. Here, we breakdown what returns you can expect by business type:
Aaron Nolen
We are excited to mine Spreedly's wealth of data to surface trends and actionable insights for merchants, payment gateways, and consumers
Vaulting customer card data is an essential part of the payments flow of any fast-growing business. In this post we explore the reasons to have a standalone card vault.
Jenna Wyer
An exploration of the payments stack for classic applications
Nathaniel Talbott
The new callbacks functionality means that Spreedly customers can receive automated feedback and drive workflows based on the updated statuses of individual cards.
Peter Mollins
Learn more about the impact of the new 8 digit Bank Identification Numbers (BIN) to merchants.
The Spreedly Product Team
How to store credit cards using payment method distribution with Clover for recurring payments.
Spreedly’s Account Updater is a powerful tool to automatically refresh card data stored in your vault. Now, with a significant expansion in geographic coverage, the benefits of Account Updater are even greater.
Daniel Wideman
How online merchants can recapture revenue lost to declines
Lacy Williams
Spreedly's Account Updater allows you to always keep your customers' card details up to date
Justin Benson
Brendon Prebble
In this article, we aim to help merchants avoid the common pitfalls in handling payments by raising awareness about and identifying factors with profound impacts on the declines. We also provide simple suggestions to raise the approval rate of credit card transactions.
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