Payment Analytics Overview
Overview
The Payment Analytics Overview page provides a high-level summary of transaction activity and performance.
Figure 1: Payment filters and transaction overview
Authorization Health
Authorization Health provides insight into platform performance and helps identify the root causes of acceptance gaps.
Figure 2: Authorization Health dashboard
Key Authorization Metrics
| Metric | Thresholds | Definition | Description | |
|---|---|---|---|---|
 |
Payment Success Rate (PAAR) | Green ≥ 82% Amber 75–81% Red < 75% |
(00.xx + 90.xx) / total tx | Shows overall platform health at a glance. |
 |
Issuer Decline Rate | Green ≤ 10% Amber 10–20% Red > 20% |
(60.95 + 59.94) / total tx | Shows issuer-driven declines. |
 |
Issuer Advice Decline Rate | Green ≤ 2% Amber 2–5% Red > 5% |
76.xx / total tx | Shows declines triggered by MAC control. |
 |
Fraud Decline Rate | Green ≤ 2% Amber 2–5% Red > 5% |
65.xx / total tx | Identifies fraud-related declines. |
 |
Issuer Acceptance Rate (IAAR) | Green ≥ 90% Amber 80–89% Red < 80% |
(00.xx + 90.xx) / issuer volume | Shows issuer acceptance performance. |
 |
Configuration Decline Rate | Green < 0.5% Amber 0.5–1.5% Red > 1.5% |
70.xx / total tx | Highlights configuration and integration issues. |
 |
Consumer Decline Rate | Green ≤ 3% Amber 3–7% Red > 7% |
(80.xx etc.) / total tx | Shows user-related failures (3DS, timeouts, cancellations). |
 |
Technical Decline Rate | Green < 0.5% Amber 0.5–1.5% Red > 1.5% |
(40.xx etc.) / total tx | Highlights system and technical issues. |
Authorization Trend
The Authorization Trend shows how success and decline rates evolve over time.
Figure 3: Authorization trend (chart)
Figure 4: Authorization trend (table)
Authentication Health
Authentication Health provides visibility into authentication performance and 3DS behavior.
Figure 5: Authentication Health dashboard
Key Authentication Metrics
| Metric | Thresholds | Definition | Description |
|---|---|---|---|
| 3D Challenge Rate | Green < 25% Amber 25–35% Red > 35% |
Challenge success / total 3D | Lower values indicate better performance. |
| 3D Decline Rate | Green ≤ 10% Amber 10–15% Red > 15% |
Failed authentications / total 3D | Shows failed authentication attempts. |
| 3D Frictionless Rate | Green ≥ 65% Amber 50–65% Red < 50% |
Frictionless success / total 3D | Higher values indicate better UX. |
| 3D Pass Rate | Green ≥ 90% Amber 85–90% Red < 85% |
Successful / total 3D | Total authentication success rate. |
| Authentication Coverage | Green 60–95% Amber 30–60% or >95% Red < 30% |
Auth present / total transactions | Indicates adoption of authentication. |
| Soft Decline Rate | Green ≤ 3% Amber 3–7% Red > 7% |
Soft declines / total transactions | Shows retry or authentication-triggered declines. |
Authentication Trend
The Authentication Trend shows how authentication metrics evolve over time.
Figure 6: Authentication trend (chart)
Figure 7: Authentication trend (table)
