FAQ

AD-Pay
  1. Who is Open Path and AD-Pay?

Open Path is our technology platform behind AD-Pay. They are a trusted leader in payment technology and the ONLY licensed fintech company in the United States providing solutions to reduce declines, prevent fraud, minimize chargebacks, and offer real-time instant payments.

AD-Pay is part of our suite of services that provides a combined solution of both streamlining payment processing and identifying previously unknown buyers for extended marketing.

  1. What services does AD-Pay provide?

We specialize in:

    • Decline Recapture: Recovering up to 30% of declined transactions, which can increase your revenue by up to 10%.
    • Instant Direct Payments (IDP): A revolutionary solution that improves cash flow by depositing funds instantly, prevents fraud, and limits chargebacks.
    • Buyer Identification: Each successful transaction is matched back to the buyer’s name and address for tracking and extended marketing by you.
  1. How does Decline Recapture work?

When a transaction is declined, AD-Pay analyzes it in real-time. If it can be saved, we purchase the decline from you, turning it from a declined transaction into an approved one. This applies to all error code categories, including “Insufficient Funds.”

  1. What are the benefits of Decline Recapture?
    • Decrease transaction declines by up to 30%.
    • Increase revenue by up to 10%.
    • No costs or risks to you; we only charge on recovered revenue.
  1. What is Instant Direct Payments (IDP)?

IDP is a proprietary technology that ensures:

    • Instant deposits into merchant bank accounts (compared to the standard 3–5 days).
    • Reduced processing costs.
    • Prevention of fraud and chargebacks.
      This results in immediate cash flow improvement and operational efficiency.
  1. What makes the AD-Pay / OpenPath solution unique?
    • We are the only licensed fintech company in the U.S. offering these services.
    • We provide a frictionless, real-time transaction flow.
    • We take on the risk of disputes and chargebacks for purchased declines, not the merchant.
  1. What kind of transactions can AD-Pay recover?

We can recover declines in all error code categories, including those due to “Insufficient Funds.”

  1. Who is responsible for disputes and chargebacks?

AD-Pay assumes all responsibility for disputes and chargebacks on purchased declines. The merchant is not liable.

  1. What is the cost of these services?

There are no upfront costs. You only pay on the revenue we successfully recover for you.

  1. Why should I choose AD-Pay?

With Open Path, you get:

    • A guaranteed increase in revenue.
    • No costs or risks.
    • Cutting-edge technology that addresses common payment challenges.
    • Expertise as the only licensed fintech company in the U.S. providing these services.
    • A guaranteed expansion of your known customer list.