Drill down into auth and decline rates

Overall authorization and decline rates tell you whether checkout is healthy. Segmentation tells you where it is not. In Reveal Transactions Performance, you can group charts and apply filters so that a single blended rate becomes a set of comparable segments.

To open these views, select Transactions, open Performance, then work from the Auth Rate or Decline Rate tab. Use Grouped by to choose a primary segment, and use filters (including More filters when available) to narrow the population.

Segment and filter auth and decline rates

Use this workflow when you need a root-cause hypothesis, not only a headline percentage:

1. Establish a baseline — Review overall auth and decline rates for the selected date range, currency, and Gateway Account filters with no extra segmentation.
2. Choose a primary segment — Select a Grouped by dimension (for example Customer Country).
3. Add filters — Narrow further (for example Card Type and 3DS Flow) so you compare like with like.
4. Compare segments — Look for rates that sit well above or below the baseline.
5. Form a hypothesis — Tie the pattern to a change you can test (routing, 3DS policy, method mix, or issuer-specific behavior).
6. Validate — Confirm with Error analysis or Retry analysis and order recovery, then monitor whether the rate improves after you change payment strategy.

Common auth issues and how to find them

The following patterns are common starting points. Labels match Reveal filter and grouping names used on Chargebee-connected sites.

Geographic auth rate issues

• Issue: Unusually high decline rates in specific countries or regions
• Primary segment: Customer Country or Issuing Country
• Additional filters: Transaction Currency, Gateway Account, Merchant account ID

Transaction currency-related auth issues

• Issue: Lower auth rates for charges in certain currencies
• Primary segment: Transaction Currency
• Additional filters: Customer Country, Card Type, Gateway Account

Gateway Account-based auth rate differences

• Issue: Inconsistent auth rates across processors or processor accounts
• Primary segment: Gateway Account
• Additional filters: Card Type, Funding Type, Customer Country

Merchant account auth issues

• Issue: One merchant account ID (MID) performs worse than others
• Primary segment: Merchant account ID
• Additional filters: Gateway Account, Shopper Interaction, Transaction Currency

3DS impact on auth rates

• Issue: Unclear whether 3D Secure helps or hurts approval rates
• Primary segment: 3DS Flow
• Additional filters: Card Type, Funding Type, Customer Country

Auth rate differences by Funding Type or Card Type

• Issue: Success rates vary by credit, debit, prepaid, or by card network
• Primary segment: Funding Type or Card Type
• Additional filters: Customer Country, Transaction Currency, Gateway Account

Customer-initiated versus merchant-initiated auth issues

• Issue: Gap between customer-initiated (CIT) and merchant-initiated (MIT) performance
• Primary segment: Shopper Interaction
• Additional filters: Funding Type, Gateway Account, Transaction Currency

Example: isolating a country and currency problem

Baseline Attempt Success for the last 30 days is 92%. After you group by Customer Country, one country shows 78%. Adding Transaction Currency = that country's local currency and Gateway Account = your primary processor still shows 79%, while other currencies for the same country are near the baseline. That pattern points to a local-currency / issuer path issue rather than an overall processor outage—continue in Error analysis for the top decline reasons in that segment.

Segmentation parameters reference

You can segment auth and Attempt Decline Rate charts by parameters such as:

| Parameter | What it helps you answer | | --- | --- | | Customer Country | Where shoppers are located when they pay | | Transaction Currency | How charge currency affects approval | | Gateway Account | How each connected processor account performs | | Merchant account ID | Whether a specific MID underperforms | | Shopper Interaction | CIT versus MIT differences | | 3DS Flow | 3DS versus non-3DS outcomes | | Card Type | Performance by card network (for example Visa, Mastercard) | | Funding Type | Credit, debit, and prepaid differences | | Issuing Country | How the card issuer's country affects approval |

Exact filter availability can vary by site configuration and feature flags. If a dimension you need is missing, contact Chargebee Support.