Introduction
The Authorisation Trends dashboard is meant to provide an overview of your transactions approval and decline rates over time. The key metrics include authorisation rates, volumes and values, broken down in payment methods and issuer countries. The Authorisation Trends dashboard can help you identifying trends, optimising your revenue by reducing declines and monitor your payment performance.
Note that initially the Authorisation Trends dashboard will only be available to customers processing via Nomupay's Gateway. However, the intention is to extend to a larger set of customers over time.
Access
You can find the Authorisation Trends dashboard in Nomupay's Portal under the section Reports.
- Log in to Nomupay's Portal.
- Navigate to the 'Reports' section in the navigation bar on the left side.
- Click on the 'Report' drop-down list and click on 'Authorisation Trends'.
Terminology and default behaviour
The Authorisation Trends dashboard applies the following terminology:
- Cards, refers to credit cards, debit cards, tokenised e-wallets e.g. Apple Pay, Google Pay and Samsung Pay and network tokens for example used for recurring payments and one-click checkouts.
- APMs, refers to Alternative Payment Methods both local and global.
- Duplicates, refers to card transactions marked as unsuccessful retry attempts of the exact same transaction made with the exact same payment method.
The Authorisation Trends dashboard applies EUR as the default currency.
Generic filters
It is possible to filter on a period which will update all dashboard tiles. The options are:
Last 7 days (default)
Last month
Last quarter
Custom
Dashboard sections explained
Overall trends
OVERALL APPROVAL RATE
Provides a view on:
- The approval rate for the chosen period = Number of approved transactions / Total number of transactions × 100.
- An indication of the approval rate for the chosen period versus the approval rate for the previous period,
- The approval rate split for Card versus APM transactions.
- A trend increase/decline indicator comparing the current period with the previous period.
OVERALL DECLINE RATE
Provides a view on:
- The decline rate for the chosen period = Number of declined transactions / Total number of transactions × 100.
- An indication of the decline rate for the chosen period versus the decline rate for the previous period.
- The number of declined transactions and the top decline reason.
- A trend increase/decline indicator comparing the current period with the previous period.
TRANSACTION VOLUME
Provides a view on:
The total number of transactions for the chosen period = Number of approved transactions + Number of declined transactions.
- The total number of transactions split for Card versus APM transactions in volume and percentage.
- A trend increase/decline indicator comparing the current period with the previous period.
TRANSACTION VALUE
Provides a view on:
The total value of the transactions for the chosen period in EUR = Value of approved transactions + Value of declined transactions.
- The total value of transactions split for Card versus APM transactions in value and percentage.
- A trend increase/decline indicator comparing the current period with the previous period.
Card payments
APPROVAL RATE
Provides a view on:
- The Card approval rate for the chosen period excluding duplicate transactions = Number of approved Cards transactions excluding duplicates / Total number of Card transactions excluding duplicates × 100.
- The Card approval rate for the chosen period including duplicate transactions = Number of approved Cards transactions / Total number of Card transactions × 100.
- An indication of the approval rate for the chosen period versus the approval rate for the previous period.
- An indication of the Card approval rate including duplicates.
TRANSACTIONS
Provides a view on:
The total number of Card transactions for the chosen period = Number of approved Card transactions + Number of declined Card transactions.
- A trend increase/decline indicator comparing the current period with the previous period.
TRANSACTION VALUE
Provides a view on:
The total value of the Card transactions for the chosen period in EUR = Value of approved Card transactions + Value of declined Card transactions.
- A trend increase/decline indicator comparing the current period with the previous period.
APM payments
APPROVAL RATE
Provides a view on:
- The APM approval rate for the chosen period = Number of approved APM transactions / Total number of APM transactions × 100.
- An indication of the approval rate for the chosen period versus the approval rate for the previous period.
TRANSACTIONS
Provides a view on:
The total number of APM transactions for the chosen period = Number of approved APM transactions + Number of declined APM transactions.
- A trend increase/decline indicator comparing the current period with the previous period.
TRANSACTION VALUE
Provides a view on:
The total value of the APM transactions for the chosen period in EUR = Value of approved APM transactions + Value of declined APM transactions.
- A trend increase/decline indicator comparing the current period with the previous period.
Approval trend
Provides a graphical overview of the Card approval rate, the APM approval rate and the overall approval rate for the chosen period.
Card instrument performance
In groups by <Card type> a view is provided of:
The <Card type> approval rate for the chosen period = Number of approved <Card type> transactions / Total number of Card transactions × 100.
The total number of <Card type> transactions for the chosen period = Number of approved <Card type> transactions + Number of declined <Card type> transactions.
The total value of the <Card type> transactions for the chosen period in EUR = Value of approved <Card type> transactions + Value of declined <Card type> transactions.
The Card share for the chosen period = The total number of <Card type> transactions / The total number of Card transactions x 100.
Trends on 3DS authentication for the chosen period i.e. the % and the number of <Card type> transactions which are 3DS authenticated and not 3DS authenticated.
Card issuer country
Provides a graphical view of the card issuer countries for the chosen period, and a drill down in the following details per issuer bank name and country:
- Number of card transactions for the chosen period.
- Approval rate for the chosen period = Number of approved Card transactions / Total number of Card transactions × 100.
Note additionally it is possible to:
Remove/include issuers with zero approval rate:
- Show issuers with the highest or the lowest approval rates on top:
- Click on the columns i.e. Issuer Bank, Country, Txn volume and Approval rate to sort the data ascending, descending or set it back to neutral.
APM trends
Provides a graphical view of the approval rate for one or more APM(s) for the chosen period, and a drill down in the following details per <APM brand>:
- Number of <APM brand> transactions for the chosen period.
- Total value of the <APM brand> transactions for the chosen period in EUR.
- Approval rate for the chosen period = Number of approved <APM brand> transactions / Total number of APM transactions × 100.
Note additionally it is possible to:
- Add/remove APM brands to/from the graphical view:
- Click on the columns i.e. Payment brand, Transactions, Value and Approval rate to sort the data ascending, descending or set it back to neutral.
Decline reasons
Provides a view on:
- The total decline transactions and the decline reasons for the chosen period.
- A trend increase/decline indicator comparing the current period with the previous period.
Note additionally it is possible to:
- Click on the tabs in the upper right corner to view decline reasons for All Methods (default), only for Cards or only for APMs:
- Click on the indicated decline reason and thereby get more detailed decline descriptions:
- Click on the columns i.e. Reasons, Declines, Decline Percentage and vs previous period to sort the data ascending, descending or set it back to neutral.
Currency approval rates
Provides a view per currency code for the chosen period on:
- The currency approval rate for Cards and APMs.
- The total transaction count.
- The volume difference between Card and APM transactions with green representing the percentage of Card volume and orange representing the percentage of APM volume.
Note additionally it is possible to:
- Click on the columns i.e. Currency, Card, APM, Txn count and Volume to sort the data ascending, descending or set it back to neutral.