Solutions / Payment performance
Find out where your transactions are actually failing.
A group-level acceptance rate is an average of everything working and everything broken. It moves slowly, hides the problem, and tells you nothing you can act on.
We take it apart — by provider, market, method, issuer and BIN — until the number points at something you can change.
What we measure
- Acceptance rate
- Approved attempts as a share of all attempts, cut every way that matters.
- Customer success rate
- The share of customers who attempted a payment and completed at least one. Closer to the real experience than transaction-level AR.
- Unique depositors and frequency
- Who paid, how often, and who stopped trying.
- Average transaction value
- Read alongside cost, because fee structures behave differently at different ticket sizes.
- Retry behaviour
- How many attempts precede a success, and how many customers give up before it.
How we find the cause
- Decline reason analysis
- Issuer declines, insufficient funds, 3DS abandonment, authentication timeouts and risk rules, separated rather than lumped together.
- Bank and BIN performance
- A single issuer or BIN range degrading is invisible at group level and obvious at BIN level.
- Provider comparison
- The same traffic, the same market, different providers — and what that difference is worth.
- Routing analysis
- Whether traffic is reaching the provider most likely to approve it, and what a change would be worth.
- Market and brand splits
- Because a problem in one market rarely looks like a problem anywhere else.
In the platform
Performance
Did it convert?
Acceptance rate
87.4%
Improved by +2.8pp
Customer success rate
94.2%
Improved by +1.4pp
Processing cost
2.84%
Improved by -0.18pp
Successful volume
€4.8M
Improved by +7.2%
Decline reasons
- Issuer decline — do not honour34%
- Insufficient funds21%
- 3DS abandoned18%
- Bank authentication timeout13%
- Risk rule triggered9%
- Other5%
Provider comparison
| Provider | Method | Transactions | AR | Volume | Cost |
|---|---|---|---|---|---|
| Provider A | Cards | 184,320 | 89.4% | €2.14M | 2.31% |
| Provider B | Open Banking | 96,840 | 91.8% | €1.32M | 1.94% |
| Provider C | Cards | 42,115 | 78.2% | €0.71M | 2.86% |
| Provider D | Wallet | 21,470 | 93.1% | €0.43M | 2.05% |
| Provider E | Local method | 9,830 | 84.6% | €0.20M | 3.12% |
Also in solutions
Payment reconciliation
Bring transactions, PSP reports and settlements together. Surface missing settlements, fee discrepancies, duplicates, unmatched transactions and currency differences.
PSP commercial intelligence
Know what every transaction really costs, and never be surprised by a renewal. Fees, contract terms, reserves, minimums and notice periods in one place.
Payments advisory
Define the payment architecture your business needs, then deliver it — provider strategy, selection, integration, cashier experience and the operating model behind them.
Payments sit between technology, finance, operations and customer experience. Most of the problems live in the gaps between them.