How Quadropay Helps You Turn Declines Into Deposits

The gaming industry moves fast. Players expect instant deposits, instant withdrawals, and zero friction. But behind every “Deposit Successful” screen is a hidden battlefield most gaming operators never see: BIN settings.

Get them right, and your approval rates climb.

Get them wrong, and you bleed revenue every single day.

This is where most PSPs lose the plot—and where Quadropay helps gaming merchants win.

Your approval rate isn’t just a number. It’s your player retention engine.

In gaming, a failed deposit isn’t a minor inconvenience. It’s a lost player.

A frustrated VIP.

A churned whale.

A negative Trustpilot review.

And the shocking part?

Most declines have nothing to do with fraud or insufficient funds.

They happen because the PSP’s BIN settings are outdated, misconfigured, or poorly routed.

Let’s break this down into plain English.

What Are BIN Settings (And Why Do They Matter in Gaming)?

A BIN (Bank Identification Number) is the first 6–8 digits of a card.

It tells the PSP:

• The issuing bank

• The country

• The card type (credit, debit, prepaid)

• The scheme (Visa, Mastercard, etc.)

In gaming, this information is gold.

It determines how a transaction is routed, scored, authenticated, and ultimately approved.

When BIN settings are optimised, your approval rates rise.

When they’re not, your players hit decline screens—and your revenue tanks.

Why Gaming Merchants Feel BIN Pain More Than Anyone Else

Gaming is high‑velocity, high‑risk, and heavily regulated.

Issuers scrutinise gaming transactions more aggressively than retail or SaaS.

This means:

• Wrong routing = instant decline

• Wrong 3DS logic = friction and drop‑off

• Wrong fraud rules = false positives

• Wrong BIN tables = misclassification and lost revenue

A casual e‑commerce merchant might survive this.

A gaming operator won’t.

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 The 5 BIN Settings That Make or Break Gaming Approval Rates

1. Acquirer Routing by BIN

Some issuers prefer domestic acquirers.

Some prefer EU routing.

Some hate offshore setups.

If your PSP routes a UK‑issued card to a non‑EU acquirer, expect a decline.

Gaming operators see 10–20% approval swings purely from routing logic.

2. BIN‑Specific Fraud Rules

Gaming traffic is diverse:

• UK debit cards

• EU credit cards

• LATAM prepaid cards

• Middle Eastern high‑value cards

Each behaves differently.

If your PSP uses generic fraud rules, you’ll see:

• Unnecessary AVS checks

• Incorrect CVV logic

• Over‑aggressive velocity rules

• Prepaid cards flagged as high‑risk

BIN‑aware fraud scoring reduces false declines dramatically.

3. 3DS Behaviour by Issuer

Some issuers love frictionless 3DS.

Some require a challenge.

Some markets (e.g., India) enforce strict 3DS flows.

If your PSP doesn’t map BIN → correct 3DS behaviour:

• Frictionless attempts fail

• Challenges get forced unnecessarily

• Issuers decline due to protocol mismatch

In gaming, this is fatal.

Players don’t retry—they leave.

4. Accurate 8‑Digit BIN Tables

Visa and Mastercard expanded BINs from 6 to 8 digits.

If your PSP still uses outdated 6‑digit tables:

• Wrong issuer mapping

• Wrong country mapping

• Wrong routing

• Wrong risk scoring

This is one of the most common hidden causes of gaming declines.

5. BIN‑Based Retry Logic for Recurring Players

Gaming operators rely on returning players.

BIN‑aware retry logic helps you:

• Avoid issuer‑blocked retries

• Time retries correctly

• Use soft descriptors

• Recover failed deposits

Visa reports retry success drops 39% after the first failure.

Smart BIN logic prevents this.

Why Gaming Merchants Choose Quadropay

Quadropay specialises in high‑risk, high‑velocity verticals—including gaming.

We understand the nuances of BIN‑level optimisation because we build systems around it.

With Quadropay, gaming operators get:

✔ BIN‑aware acquirer routing

✔ Real‑time 8‑digit BIN databases

✔ Geo‑specific fraud rules

✔ Issuer‑aligned 3DS flows

✔ BIN‑based retry optimisation

✔ Weekly BIN‑cluster approval reporting

This isn’t generic PSP processing.

This is precision‑engineered acquiring for gaming merchants who can’t afford declines.

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Final Word:

If you fix your BIN settings, you fix your approval rates.

If you fix your approval rates, you fix your gaming business.

Most PSPs treat BIN settings as a technical detail.

Quadropay treats them as a revenue lever.