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Introduction

  • Overview

Transactions

  • Get Started
  • Understand Payment Performance
    • Authorization Rates
    • Decline Rates
    • Drill-Down Rates
    • Retry Analysis and Order Recovery
    • Error Analysis
  • Alerts

Settlements

  • Get Started
  • Settlements
  • Fees
  • Records

Data Security

  • Data Control
  • PII Data
  • Card Vaulting
  • Data Policies, Processes and Methods

Glossary

  • Standard Terms
  1. Reveal
  3. Transactions
  5. Understand Payment Performance
  6. Drill-Down Rates
  1. Reveal
  3. Transactions
  5. Understand Payment Performance
  6. Drill-Down Rates

Drill Down into Auth and Decline Rates

Understanding the complex interplay of factors that affect payment success is crucial for optimizing your authorization rates. By leveraging our advanced segmentation and filtering capabilities, you can pinpoint specific issues and develop targeted solutions.

Use segmentation and filters

To effectively analyze your authorization and decline rates, you can segment your data by various parameters and apply filters to focus on specific scenarios. This allows you to uncover hidden patterns and identify the root causes of payment issues.

  1. Identify Baseline Performance
    Start by looking at your overall auth and decline rates without any segmentation.

  2. Apply Segmentation
    Choose a primary parameter (e.g., Shopper Country) to segment your data.

  3. Add Filters
    Apply additional filters to drill down into specific scenarios (e.g., add Card Type and 3DS Flow).

  4. Compare and Contrast
    Analyze how auth rates change as you adjust your segmentation and filters.

  5. Identify Patterns
    Look for consistent trends or outliers that may indicate specific issues.

  6. Develop Hypotheses
    Form theories about why certain combinations of factors lead to higher or lower auth rates.

  7. Test and Refine
    Adjust your payment strategies based on your findings and continue monitoring to verify improvements.

By systematically analyzing your auth and decline rates using these segmentation and filtering capabilities, you can uncover hidden patterns, identify specific pain points, and develop targeted strategies to optimize your payment performance across all aspects of your business.

Common auth issues and how to find them

Following are some common issues that can affect your authorization rates, along with how to identify them using segmentation and filters:

Geographic auth rate issues

  • Issue: Unusually high decline rates in specific countries or regions
  • Analysis: Compare auth rates across different regions
  • Primary Segment: Shopper Country or Card Issuing Country
  • Additional Filters: Transaction Currency, Gateway Account, Merchant ID (MID)

2. Transaction Currency-related auth issues

  • Issue: Lower auth rates for transactions in certain currencies
  • Analysis: Compare auth rates across different currencies
  • Primary Segment: Transaction Currency
  • Additional Filters: Shopper Country, Card Type, Gateway Account

Gateway Account-based auth rate differences

  • Issue: Inconsistent auth rates across different payment providers
  • Analysis: Compare auth rates across different providers
  • Primary Segment: Gateway Account
  • Additional Filters: Card Type, Funding Type, Shopper Country

Merchant account auth issues

  • Issue: One Merchant ID (MID) performing significantly worse than others
  • Analysis: Compare performance across different MIDs
  • Primary Segment: Merchant ID (MID)
  • Additional Filters: Gateway Account, Shopper Interaction, Transaction Currency

3DS impact on auth rates

  • Issue: Uncertain impact of 3D Secure on auth rates
  • Analysis: Compare auth rates for 3DS vs non-3DS transactions
  • Primary Segment: 3DS Flow
  • Additional Filters: Card Type, Funding Type, Shopper Country

Auth rate differences by Funding Type/ scheme

  • Issue: Varying success rates among different card networks or types

  • Analysis: Compare auth rates across different card schemes and types

  • Primary Segment: Card Type or Funding Type

  • Additional Filters: Shopper Country, Transaction Currency, Gateway Account

Customer vs. merchant-initiated auth issues

  • Issue: Discrepancies between Customer-Initiated (CIT) and Merchant-Initiated (MIT) transactions
  • Analysis: Compare auth rates between CIT and MIT transactions
  • Primary Segment: Shopper Interaction
  • Additional Filters: Funding Type, Gateway Account, Transaction Currency

Segmentation parameters reference

You can segment your auth and attempt decline rate charts by the following parameters:

  1. Shopper Country: Analyze performance based on the geographic location of your customers
  2. Transaction Currency: Understand how different currencies affect your auth rates
  3. Gateway Account: Compare performance across different payment service providers
  4. Merchant ID (MID): Evaluate performance for specific merchant accounts
  5. Shopper Interaction: Distinguish between Customer-Initiated Transactions (CIT) and Merchant-Initiated Transactions (MIT)
  6. 3DS Flow: Compare performance of transactions that went through 3D Secure authentication versus those that didn't
  7. Card Type: Analyze performance across different card networks (e.g., Visa, Mastercard, American Express)
  8. Funding Type: Compare auth rates for credit, debit, and prepaid cards
  9. Card Issuing Country: Understand how the location of the issuing bank affects auth rates

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