Declines
Issuer and processor decline patterns, response codes and retry opportunities.
Payment approval analysis
Recover revenue lost to payment declines.
We analyse your payment data, identify where approvals are being lost, and help you fix the highest-impact opportunities.
Team experience
Built by payments professionals with 15+ years of experience across card schemes, acquiring and payment processing.
What we analyse
Where approval rate gets lost
3DS & Authentication
Challenge rates, frictionless performance and exemptions.
Tokenization
Network tokens, wallets and tokenized vs non-tokenized performance.
Issuers & Markets
Issuers and countries with abnormal approval behaviour.
Recurring Payments
CIT, MIT, COF and recurring setup.
Payment Flow
PSP, acquirer and routing differences where data allows comparison.
Illustrative examples — not customer results
See what we actually look for
- Retry strategy
Repeated attempts follow declines with low probability of immediate success.
- Network tokens
Tokenized transactions materially outperform PAN-based transactions in selected issuer segments.
- Issuer anomaly
A small issuer group contributes disproportionately to avoidable declines.
- 3DS friction
Challenge rates materially exceed portfolio baseline in selected segments.
How it works
Start locally. Share nothing until you’re ready.
Prepare your data
Select a transaction CSV and review the fields.
Sanitize locally
Sensitive and unnecessary fields are removed in your browser.
Start with a free assessment
We determine whether your data shows meaningful approval-rate optimization potential.
Choose how far to go
Audit the opportunities for €499, or continue through implementation and measurement for €999 total.
Browser sanitization
Your raw payment data stays under your control.
Your file is processed locally in your browser first.
- PAN can be anonymized locally.
- CVV and unnecessary personal data are removed.
- You review the sanitized result before sharing anything.
Raw CSV→Local sanitization→Review→Free assessment
See how sanitization works →A clear commercial path
Find lost approvals. Fix them. Measure the uplift.
Start free. Choose a paid engagement only if the data shows something worth investigating.
Free Initial Assessment
€0Is there something worth investigating?
We first determine whether your data is suitable and whether meaningful approval-rate optimization signals exist.
Analyze my payments — freeApproval Rate Audit
€499Where are approvals being lost?
- Transaction, decline and retry-pattern analysis
- Issuer and market analysis
- 3DS, tokenization and recurring analysis where data allows
- Major opportunities and estimated impact where possible
- Prioritized high-level recommendations and review call
The Audit may identify additional data to request. Repeated investigation and implementation work are not included.
Approval Rate Optimization
€999 totalHow do we fix the opportunities and verify the result?
- Everything in the Audit
- Additional PSP/acquirer data requests and questions
- Iterative analysis and configuration review
- Implementation support and follow-up measurement
- Approximately 30–60 days support
Already purchased the Audit? Pay only €500 more.
Target: +1 pp approval-rate uplift
Target, not guarantee. Actual results depend on merchant traffic, issuer mix, PSP/acquirer setup, risk strategy and implementation conditions.
Free initial assessment