Watch: Leaders in Payments Podcast with Frank Arellano | Revolv3

In a compelling episode of the Leaders in Payments podcast, Frank Arellano, founder and CEO of Revolv3, sheds light on one of the most overlooked yet financially devastating issues in the payments industry: false declines. These are legitimate transactions that get wrongly rejected by payment processors and they account for a staggering two-thirds of all credit card declines, contributing to an estimated $600 billion in lost revenue annually.

For subscription-based businesses, the impact is especially brutal. False declines lead to involuntary churn, where customers are lost not because they want to leave, but because their payments fail silently.

Drawing from over 25 years of experience at industry giants like Ingram Micro and Experian, Arellano explains how Revolv3 is tackling this challenge with a fresh, data-driven approach. Unlike traditional payment gateways, Revolv3’s intelligent optimization platform analyzes over 100 data elements per transaction to build trust with issuers and boost approval rates.

The results? Merchants using Revolv3 report an average 14% increase in approvals and nearly 30% growth in revenue from improved decline management alone.

But what truly sets Arellano apart is his holistic vision for the future of payments. He predicts that embedded finance and predictive analytics will dominate the next wave of innovation, while tokenization and regulatory compliance will become increasingly critical over the next decade.

For those entering the fintech space, Arellano offers a piece of advice that’s as strategic as it is simple: “Understand how money moves throughout the entire ecosystem, not just one part of it.”

This episode is a must-listen for anyone in payments, SaaS, or subscription-based business models. It’s not just about solving a problem, it’s about rethinking how we approach trust, data, and customer retention in the digital economy.

🎧 Listen to the full episode here
📺 Watch it on YouTube