Unico and Tuna: Recovering 20% of Declined Sales for Troca Fone through Biometric Orchestration
Results at a glance
The objective is to recover those transactions and see if the user is indeed reliable. In our partnership, we manage to recover about 20% of approvals that would have been declined by traditional anti-fraud systems. With biometric validation, we practically zero out fraud by confirming the face belongs to the cardholder.
Troca Fone Leadership
The Context
Troca Fone is a specialized company in the pre-owned smartphone market, operating within major mobile carriers and top retailers across Brazil. Their business model allows customers to trade in their old devices as a down payment for new ones. To manage this complex ecosystem, Troca Fone utilizes Tuna, a payment orchestrator designed to provide autonomy at the end of the sales funnel, allowing integration with multiple acquirers and security partners.
The Challenge
Operating in a high-growth but fraud-sensitive environment, Troca Fone faced significant obstacles in their digital checkout process.
- The Threat: Sophisticated fraud attempts that forced traditional anti-fraud systems to be overly conservative.
- The Bottleneck: High declination rates of legitimate customers and slow manual reviews that delayed order approvals and frustrated users.
- The Goal: To find a way to distinguish reliable users from fraudsters in seconds, increasing conversion without increasing chargebacks.
The Solution
Troca Fone implemented a powerful "combo" using Tuna as the orchestrator and Unico IDPay as the final layer of security. The process is transparent for the user: after the bank and traditional anti-fraud assessments, the transaction passes through Unico IDPay. In a matter of seconds, the user performs a quick facial biometric check directly at checkout. This native connection between Tuna and Unico allowed for a "plug-and-play" implementation with very low technical effort.
The Impact
The synergy between Unico and Tuna delivered transformative results for Troca Fone’s bottom line:
- Revenue Recovery: The platform successfully recovered approximately 20% of orders that would have been lost to anti-fraud denials.
- Agility for the Consumer: Orders that previously required lengthy manual reviews are now approved in seconds via biometrics, leading to a much faster and more satisfying user experience.
- Impenetrable Security: By validating that the face matches the identity of the buyer, Troca Fone has practically zeroed out specific fraud types in that stage, allowing for sales growth without the risk of increased chargebacks.
- Frictionless Experience: The user remains on the same page throughout the process, feeling secure by using a technology (biometrics) they already trust and use with major banks.
The Horizon
Troca Fone now views Unico as their primary anti-fraud partner. The success of this orchestration model has proven that retailers can scale safely by moving biometric validation higher up in their transaction flows. With a robust, stable infrastructure that handles high volumes seamlessly, Troca Fone and Unico are set to continue expanding their partnership, bringing transparency and security to the circular economy of technology in Brazil.
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