Payment Authorization Intelligence

PayForge Commerce · $1.8B Annual TPV

Auth Rate
94.2%
-0.8% vs baseline
Soft Decline Recovery
38.1%
+2.3% vs prior period
P95 Auth Latency
612ms
-328ms from peak
TPV per 1K Attempts
$42.8K
+$1.2K
Network Token Penetration
67.4%
+4.2%
3DS Challenge Success
82.7%
-1.1%

Authorization Rate by Issuer BIN Segment × Gateway Route

Stripe
Adyen
Checkout.com
Spreedly
Visa Premium
96.8%
97.2%
96.5%
95.9%
Visa Standard
93.4%
92.8%
91.2%
93.7%
MC World Elite
97.5%
96.9%
97.3%
96.6%
MC Standard
92.5%
90.8%
93.1%
92.7%
Amex Platinum
95.6%
96.2%
95.4%
94.9%
Amex Green
91.8%
89.3%
92.4%
91.6%

Visa Standard/Checkout.com shows 91.2% auth rate, -3.0pp below segment avg. Alert triggered March 18.

Decline Code Pareto Analysis

Auth Latency Distribution by Payment Method

Gateway Route Performance · Last 90 Days

Route Auth Rate Attempts P95 Latency Soft Decline Recovery % TPV/1K
Adyen/Visa/EU
97.2%
1,240,582 487ms 2.1% 42.8% $48.2K
Stripe/MC/US
96.8%
2,108,340 520ms 2.4% 39.5% $46.7K
Checkout/Visa/US
95.9%
980,221 615ms 3.1% 35.2% $44.1K
Stripe/Amex/US
95.6%
562,109 502ms 3.5% 40.1% $52.3K
Adyen/MC/APAC
94.3%
421,880 720ms 4.2% 31.7% $38.9K
Spreedly/Visa/US
93.7%
710,445 580ms 4.8% 36.9% $42.5K
Checkout/MC/EU
93.1%
390,572 695ms 5.1% 29.4% $40.2K
Checkout/Visa/LATAM
91.2%
240,118 840ms 6.8% 24.3% $35.7K

13-Week Authorization Rate Trend

Network Token Auth Rate Lift vs. PAN

3DS Challenge Funnel

Challenged100.0%
Completed88.2%
Approved82.7%
11.8% abandoned challenge, 5.5% failed auth

Gateway Failover Events

Mar 14 08:42 4m 18s
Mar 8 14:12 1m 52s
Feb 21 02:05 2m 38s
Feb 9 19:24 0m 45s
4 events in 90d, avg duration 2m 23s

P95 Latency: Mobile vs Desktop

Checkout Abandonment vs. Auth Latency Correlation

Issuer Alert Queue

Chase Visa Debit
Auth rate 88.4%, -4.2pp · 48h active
Wells Fargo MC
Soft declines +2.8pp · 24h active
BoA Visa Premium
P95 latency 892ms, +140ms · 12h active
Citi Amex
Monitoring: 3DS challenge +3% · 6h active
Data Freshness: Real-time (5min delay) · Last Processor Sync: 2024-03-20 14:42 UTC
Sources: Stripe API · Adyen Settlement · Spreedly Vault · Snowflake payment_facts