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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.

How to Use Segmentation and Filters

  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 Scheme 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 Payment Issues and How to Identify Them

1. Geographic Discrepancies

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

2. Currency-Related Problems

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

3. Provider Performance Variations

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

4. Merchant Account Issues

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

5. Authentication Method Effectiveness

  • 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 Scheme, Card Type, Shopper Country

6. Card Scheme and Type Disparities

  • Issue: Varying success rates among different card networks or types
  • Analysis: Compare auth rates across different card schemes and types
  • Primary Segment: Card Scheme or Card Type
  • Additional Filters: Shopper Country, Currency, Provider

7. Transaction Type Differences

  • 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: Card Type, Provider, Currency

Segmentation and Filter Parameters

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

  1. Shopper Country: Analyze performance based on the geographic location of your customers
  2. Currency: Understand how different currencies affect your auth rates
  3. Provider: 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 Scheme: Analyze performance across different card networks (e.g., Visa, Mastercard, American Express)
  8. Card Type: Compare auth rates for credit, debit, and prepaid cards
  9. Card Issuer Country: Understand how the location of the issuing bank affects auth rates

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