Not just how many declined.
Why.
Decline reason analysis and approval ratio tracking - per merchant, per MID, per acquirer, per BIN. The data behind your routing decisions.
You can't improve what you can't see
Failed Statistics turns decline data into actionable insight. See exactly which acquirers underperform on which BIN ranges, which countries decline most for which reasons, where the routing rules need to change.
Decline reason analysis
A decline rate on its own tells you nothing you can act on. Failures are broken down by cause, so an issuer decline, a risk rule and a gateway error are three different problems with three different owners.
Approval ratios
See approval ratios per MID over any date range. Identify MIDs underperforming so you can re-route or renegotiate.
Per-MID breakdown
Approval rates per BIN range tell you which acquirers handle which issuers best. Use this to refine the routing cascade.
Per-country decline patterns
Some geographies decline more for specific reasons. Identify country-specific patterns and adjust your routing or risk rules.
Trend tracking
Watch approval ratios over time. Identify regressions early; correlate with acquirer or scheme changes.
How operators use Failed Statistics
- Monitor
Dashboard view of approval ratio trends across the platform. Alerts trigger on regressions.
- Diagnose
Drill into specific MIDs, BINs or countries to find the root cause of declines.
- Adjust
Update routing rules, risk rules or acquirer mix based on what the data shows. Measure the impact in the next reporting cycle.
Frequently asked questions
How real-time is the data?
The figures follow processing, so a decline pattern that starts this morning is visible this morning rather than in a monthly report written after the damage is done.
Can I scope decline analysis to a single merchant?
Yes. Every report can be scoped to a single merchant, merchant group or the entire portfolio.
How is decline data exported?
Decline data exports as a spreadsheet or CSV alongside the rest of the reporting, so it can go into your own analysis or warehouse rather than being read only on screen.
Can I get alerted when approval ratios drop?
Yes. Configure threshold alerts per merchant, per MID, per BIN range or per acquirer. Alerts via email, Slack or webhook.
How long is decline data retained?
Per your contract - typically 7+ years to meet regulatory requirements. Older data is queryable but archived for performance.
Where is data hosted?
Hosting, retention and data residency are set per deployment rather than fixed, and each brand is served from its own domain. Tell our team what your regulator and your customers require and we will confirm the arrangement in writing.