Payment Analytics
Cross-network volume, net operating settlements, and failure diagnostics
Gross Volume
$1,284,920.00
+14.2%vs prior period
Net Settlement
$1,248,312.40
+13.8%post-gateway fees
Auth Success Rate
97.8%Target 95%+
+0.4%gateway health
Dispute Ratio
0.08%Threshold < 0.9%
-0.02%Visa / MC safe
Volume & Settlement Trajectory
Gross customer charges vs. deposited net funds (30D)
Gross
Net
Payment Method Share
Inflow distribution across payment rails
Credit & Debit Cards
$745,253.6058%
ACH Direct Debit
$308,380.8024%
Wire Transfers
$154,190.4012%
Digital Wallets
$77,095.206%
Payment Health & Authorization Funnel
Card network acceptance rates and top merchant decline vectors
Gateway Status: Optimal (99.98% uptime)
Approved (97.8%)
Soft/Hard Declines (2.12%)
Chargeback & Dispute (0.08%)
Top Decline Reasons & Mitigations
Ranked by frequency| Decline Reason | Origin Category | Failures Count | % Share | Recommended Mitigation |
|---|---|---|---|---|
Insufficient Funds | Customer Side | 88 | 51.8% | Trigger automatic smart-retry schedule in 24 hours. |
Do Not Honor (Generic) | Issuing Bank | 42 | 24.7% | Instruct customer to contact card-issuing bank. |
Expired Card | Customer Side | 26 | 15.3% | Prompt cardholder with automated card updater email. |
Suspected Fraud / Risk Rules | Risk & Fraud | 14 | 8.2% | Route charge through 3D-Secure 2.0 challenge. |