Smarter Payments.
Higher Approvals.
The modern gateway built for high-risk and subscription businesses.
TrustIQ replaces traditional gateways with one intelligent platform: network tokens, AI-driven routing and 3DS, smart retries, and deep analytics that show what’s happening, where, and why.
Data-only 3DS sends richer data to the issuer with no challenge, so the customer sees no friction.
One Gateway Swap. Every Payment Smarter.
We’re ecommerce and payments people. TrustIQ replaces your gateway, and you pay per transaction just like a traditional gateway. No revenue share, no fees for your own data.
Built by Payments People
We run ecommerce and payments ourselves, so TrustIQ is built around how subscription and high-risk brands actually sell.
Priced Like a Gateway
Pay per transaction, the same way you would with a traditional gateway. No platform fees, no revenue share, nothing more.
10x the Value of a Gateway
Every tool below is included with the gateway, without the ridiculous fees that usually come attached.
Beyond BIN Routing.
One Smart Decision Per Transaction.
Most gateways stop at simple BIN or acquirer routing. TrustIQ does that too, then its AI decision tree weighs the issuer, MCC, approval rates by BIN, initial vs. rebill, and network tokens to choose the route, the 3DS approach, and the retry plan together.
IQAI decision
engine
3DS Isn’t All or Nothing
TrustIQ runs 3DS only when it’s likely to improve the outcome, and picks the right type for each transaction based on the issuer, MCC, and whether it’s an initial sale or a rebill.
Shares richer data with the issuer through the 3DS rails, with no challenge screen.
- No added checkout friction
- More confident issuer approvals
- Great for trusted customers and rebills
Full cardholder authentication when the risk profile calls for it, used deliberately, not by default.
- Liability shift on authenticated transactions
- Triggered by issuer, MCC, and context
- Less fraud and chargeback exposure
Issuer-Trusted Credentials.
No Lock-In.
Higher approvals. Lower costs. Your data stays yours.
Issuers prefer network tokens over raw card numbers, and they’re more likely to approve them. Pair them with a vault you own, and you get stronger approval rates, lower interchange, and full data portability without being locked into a processor.
- Network tokens issuers prefer, for higher card-not-present approvalsHigher card-not-present approvals
- Automatic token lifecycle management across card brandsAutomatic token updates
- Cards stay current when customers get new ones, so rebills keep workingRebills survive new cards
- A vault you own, with complete data portabilityA vault you own, fully portable
PAN 4821 •••• •••• 1234Raw card numberNT 5489 •••• •••• 5678Network token · auto-updatedRecover Failed Payments Automatically.
Soft declines and dunning, for subscriptions and any sale.
When a payment fails, the decision engine reads the decline reason and decides whether, when, and how to try again: a different time, a different route, or a different 3DS approach. Recoverable revenue doesn’t slip away.
- Retry logic based on the decline reason, not one fixed scheduleRetries timed by decline reason
- Recovers failed subscription rebillsRecovers failed rebills
- Works on one-time sales, not just recurring billingWorks on one-time sales too
- Avoids pointless retries that hurt your merchant standingNo pointless, risky retries
When Retries Run Out, Win Them Back.
When a rebill hard-declines or retries are exhausted, retrying again only hurts your velocity. TrustIQ reaches the customer by compliant SMS and email and brings them back into the Solvpath ecosystem with everything already on file.
- Dunning / retry failedDunning failed
- SMS + email sentSMS + email
- Discount appliedDiscount
- Payment UpdaterPayment updated
- Reactivated
Hi John, we couldn’t process your renewal. Update your card and get 20% off: grnrt.co/u/8KQ2
John, keep your Superfood Greens coming and save 20% when you update your card.
We couldn’t charge your Visa ending in 4626. Update your card and we’ll take 20% off this and every future shipment.
See Every Approval and Decline, and Why.
Dashboards, reporting, and deep analytics that show what’s happening, where, and why, across issuers, BINs, MIDs, 3DS, and retries.
Approvals over time Initial · Rebill
3DS mix
Top decline reasons
Routing by processor
| BIN / acquirer | Initial | Rebill 1 | Rebill 2 | Rebill 3+ | Txns |
|---|---|---|---|---|---|
| ▾ BIN 4147 20Visa Credit | 91.2% | 86.4% | 83.1% | 80.7% | 12,480 |
| ↳ Acquirer A | 92.0% | 87.9% | 84.6% | 82.3% | 7,310 |
| ↳ Acquirer B | 90.1% | 84.3% | 81.0% | 78.4% | 5,170 |
| ▸ BIN 5524 33Mastercard Debit | 88.6% | 82.9% | 79.4% | 76.2% | 9,845 |
| ▸ BIN 4266 84Visa Debit | 85.3% | 79.8% | 76.5% | 72.9% | 8,120 |
| ▸ BIN 5200 82Mastercard Credit | 89.7% | 84.1% | 80.2% | 77.8% | 6,390 |
| All BINs | 88.9% | 83.6% | 80.2% | 77.3% | 36,835 |
More Than a Gateway. Priced Like One.
Based on public information from each provider’s website and documentation as of October 2026. Features, pricing, and availability vary by plan, reseller, and processor. All trademarks belong to their respective owners.
Frequently Asked Questions
What is TrustIQ?
Can TrustIQ replace my current gateway?
How does TrustIQ decide how to process a transaction?
Does TrustIQ run 3DS on every transaction?
What’s the difference between data-only and full 3DS?
Which platforms does TrustIQ work with?
What does TrustIQ cost?
What happens when a card hard-declines?
Is multi-processor orchestration available?
Easy Setup. Works With
Your Ecommerce Platform.
Connect TrustIQ to the platforms and checkouts you already run. Built for headless, high-risk, and subscription brands.
Ready to Upgrade Your Gateway?
AI-driven routing, intelligent 3DS, and deep analytics, priced like a gateway.