Product Trust is the engine behind seamless benefit card acceptance.
Fincretive’s Universal Processor Gateway features an industry leading approved product list (APL) filter service, known as Product Trust™, that adjudicates transactions in real-time, reducing product declines, increasing sales, and streamlining product data for benefit programs.
Without accurate product data and alignment with benefit program requirements, transactions get declined, checkout friction increases, and retailers lose revenue.
How it works
Accurate product data. Smarter transaction decisions.
Product Trust ensures every transaction is evaluated against the most up-to-date product data and benefit program requirements—reducing declines, improving approval rates, and creating a smoother checkout experience.
Merchants share product data with Fincretive for normalization.
Fincretive's proprietary Product Trust™ data model is used to standardize product and department classifications.
Accurate, normalized product data is then provided to payment processors.
What Product Trust delivers for
Retailers
Product Trust helps retailers reduce declines, improve product eligibility accuracy, and streamline operations—ensuring smoother checkouts and better sales outcomes.
Optimized approval rates through alignment with health plan APL requirements.
Reduced checkout friction by minimizing item declines at the POS.
Improved visibility and eligibility for national brands, private labels, and local store-specific products.
Accurate, up-to-date product data shared with processors to drive the best customer outcomes.
Lower operational complexity with streamlined product and compliance management.
POS systems kept in sync with evolving Federal, State, and Local benefit plan requirements—automatically and reliably.
What Product Trust™ delivers for
Healthcare providers and governments
Product Trust ensures accurate product data and alignment with benefit program requirements—improving compliance, reducing errors, and helping consumers access eligible products while supporting better outcomes for account providers, healthcare, and government programs.
Supports consumers and account providers with accurate, auditable data for eligibility, compliance, oversight, and reporting.
