Lemonway is a pan-European payment institution dedicated to marketplaces, alternative finance platforms and other companies looking for payment processing, wallet management and third-party payment in a KYC/AML - regulated framework. Its payment solution is trusted and used by over 400 websites in Europe including 200 crowdfunding platforms. Since December 2012, the company has opened 12 million e-wallets to end-users and has registered over 200 platforms as agents with the ACPR – Banque de France.
"When chaining multiple authorization requests, there is a higher risk that the end user's bank will consider this suspicious behavior because making two authorization requests for two different merchants within one second of each other is humanly impossible. This means that the flows are automated, which can alert the bank. So we regularly had slightly higher rejection rates on successive payment requests. This was one of our major issues: optimizing our conversion and securing the implementation of PSD2."
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