Common mistakes

1 min read · Chapter 9 of 10

What usually goes wrong

Symptom	Likely cause	First thing to check
Launch date slips by months	Bank due diligence, network approval or custom plastic running in sequence	Whether stock or virtual cards could ship while the rest finishes
Bank goes quiet after the early meetings	The program is outside its risk appetite, or the bank is under an order	Its public orders, and its list of prohibited programs
Ledger and the pooled account disagree	Timing items, unmatched clearings, refunds not linked to a purchase, fees netted	The daily tie-out, and who owns each break
Revenue drops by half in July	The bank crossed $10 billion at the prior year-end	The bank's year-end assets and your contract's termination rights
Interchange below plan	Low spend per card, or online debit routed to a cheaper network	Spend per active card and the network mix
Cardholders can't add the card to Apple Pay	Wallet approval incomplete, or push provisioning not entitled in a production app	The entitlement and the provisioning approval rate
Stored cards fail at merchants after a migration	The card number changed and tokens or account updates didn't follow	Token lifecycle updates for the new range
Funds frozen at a solvent bank	The bank can't verify who owns what in the pooled account	Whether the bank holds or can reach per-owner records
Credit partner losses land on the bank	The partner's guarantee or collateral fell short	Collateral terms and how fast the bank can draw them