System for Reducing Transaction Failure

A method, comprising:

• receiving, by a service provider system comprising one or more hardware processors, a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment;
• determining that the card identifiers fails to satisfy at least one card activity criteria;
• subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier;
• and
• based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.

A non-transitory computer readable medium storing computer-executable instructions that in response to execution by one or more hardware processors, causes a service provider system to perform operations comprising:

• receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment;
• determining that the card identifiers fails to satisfy at least one card activity criteria;
• subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier;
• and
• based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.