Peacock Reports

The Reports page of your Peacock Service Panel contains the following categories of reports for viewing specific segments of your payments data:


Transaction reports break down your approved and processed transactions by different variables, such as processor, issuer, or card type. You can use this data to better understand trends in your overall transaction processing.

Processor Report

If you're like most companies, you work with at least one payment processor to process your payment transactions. Payment processors are an essential part of the payments ecosystem, as they provide you with the ability to send transactions to the card networks and banks. Since every processor will have their own connection to the payment networks or banks, each one will have a different impact on translating your customers’ purchase transactions into the messages that the issuing banks can process and approve or decline.

Peacock provides you with a detailed view of your payment processor performance, side by side. While every payment processor should theoretically perform the same on the same type of transaction, the reality is that they often do not. The Processor report can provide you the visibility on these key questions:

  • What is my payment processor approval rate?
  • How much share of my volume is going to each of my payment processors?
  • What types of declines am I seeing on each payment processor?
  • What types of cards am I seeing on each payment processor?

The answers to these questions can highlight areas in your own routing, payment stack code, or even customer behavior that could be helping or hurting your payment optimization.

Network Report

As we explored on our blog, networks provide the connectivity between banks necessary for you to route transactions through your acquirer or payment processor to the right issuing bank for your customer. Each network developed their own operating rules and represent different types of cards, banks, and consumers. Because each network has their own rules and members, it makes sense that they also impact your transaction processing in different ways that are worth looking at.

Exploring a detailed view of the performance of each network, side by side, can provide you visibility into these key questions:

  • What is my approval rate for each network?
  • How much share of my volume is going to each network?
  • What types of declines am I seeing on each network?
  • What types of cards am I seeing on each payment processor?

Card Type Report

One of the key functions of a bank is to provide you with easy ways to use your money—money that's either in an account or available through a line of credit. Just as you can have different kinds of bank accounts, you can have different types of payment cards; each payment card in turn has a unique bank product associated with it and therefore a unique revenue model, cost, etc.

Payment cards are issued with one or more networks (Visa, Mastercard, Amex) so they can leverage the pre-existing relationships between acquiring and issuing banks for processing. They're also issued with a particular type: credit, debit, or prepaid. Different card types are associated with different consumer behavior, risk appetite, and cost. As such, each will perform differently. For example, debit cards normally don’t have access to a line of credit, so may be declined more frequently; credit cards can represent more affluent buyers and therefore may be approved more frequently; pre-paid cards, on the other hand, will frequently not have enough balance, and decline rates may be much higher.

When looking at your payment performance, it's important to look at the trends broken down by card type so you can explore how different cards perform over time, and how they relate to each other. Every card type does not perform the same and looking at the Card Type report can provide answers to these key questions:

  • What is my approval rate for credit, debit, and prepaid?
  • How much share of my volume is going to each card type?
  • What types of declines am I seeing on each card type?

Currency Report

Every customer—and likewise every payment card and the respective bank—operates primarily in a “home” currency. To account for this in a global market, multi-currency payment processing has become very common; in fact, most payment processors can easily enable a large number of global currencies. Allowing your shoppers and your returning customers to transact in the currency they're most familiar with has great benefits, including less thought required at checkout and less costs for the issuing bank when considering whether or not to accept a transaction.

Since different currencies will typically attract different consumer segments from different countries with different card types, payment performance will often vary widely between different currencies. It's important to consider this as you review your payment performance and explore ways to improve your shopping experience. Before you make changes, examine the trends in your payments data broken down by currency, and explore both how different currencies perform over time and how they relate to each other. Specifically, the Peacock Currency report can provide you visibility into these key questions:

  • What is my approval rate for each supported currency?
  • How much share of my volume is going to each currency?
  • What types of declines am I seeing on each currency?

Issuer Report

When it comes to payment performance, the financial institutions that issue cards or payment instruments to consumers are the principal decision makers when approving or declining payment transactions. Your processor translates each of your orders into a payment transaction, which ends up at a bank, who then determines—based on what they know—whether the transaction should be approved.

The logic that a bank or financial institution follows to approve or decline a transaction is always changing and is a mix of both cost, risk, and revenue. In short, this work can be very complex and it can be different for each bank on any given day. It is therefore important to understand your payment performance by issuer—especially broken down by the country they're in and currency used.

Peacock provides you with a detailed view of the performance of issuers, grouped by country and broken down by BIN. Use the Issuer report to answer key questions:

  • As a general rule, the closer your customer is to you, the higher the approval rate. Is this true for you?
  • What is my approval rate for each issuer country group?
  • How much share of my volume is going to each issuer country?
  • What is the performance of my top 10 issuer countries?
  • What is the performance of my biggest issuers by BIN?

Intent Report

Every company processes different types of transactions with their customers, whether due to different product lines, different business models, or simply different stages of the customer relationship. Every transaction captures your intention for the transaction in the message sent to the issuer for consideration. For example, is the transaction card-on-file from your vault? Is the transaction a recurring transaction for a subscription? Is the transaction a one-time checkout for a special product launch? Each of these is considered differently by the payment network rules and likewise by the issuers when making an approval or decline decision.

Typically, the deeper the connection is between you and your customer as expressed by your intent, the higher the approval rate. Recurring transactions, for example, signify a long standing relationship with a customer that they probably don’t want to disrupt, where as one-time transactions means you might be transacting for the first time.

Peacock provides you with a detailed view of the performance for the different types of intentions you're processing, and can provide answers to these key questions:

  • What is my approval rate for each type of transaction intention: one-time, card-on-file (vaulted), recurring?
  • How much share of my volume is going to each?
  • What is the performance of the intents by card network?
  • What are the top decline codes for each intent?

Flag Report

Similar to intents, the data you submit on each transaction will have a big impact on the issuer's decision to approve or decline it. Different issuers, card types, and card networks have different appetites for the risk associated with more or less information on a transaction. There are also different norms in different countries based on the economic and fraud dynamics in the market. For example, in the U.S. you may find issuers willing to approve more transactions without Card Verification Values (CVV) than in Europe.

Peacock provides a detailed view of your transaction performance across the different information flags you submit, and can help you answer these key questions:

  • What is my approval rate for each type of flag? (CVV, AVV, etc.)
  • How much share of my volume is being processed with each flag?
  • What is the performance of the different types of transactions by flag by processor?
  • What is the performance of different transaction flags over time?
  • Does my approval rate increase as I include more information on my transactions?

Decline Analysis Reports

Every approved transaction moves quickly through to the next stage of fulfillment. Where every company wants to spend time is understanding the data surrounding unsuccessful transactions. The truth of payments declines is not all payment declines are created equal, and having clarity on why a transaction failed can drive better communication with your customers, better checkout experiences, and better optimization strategies.

Peacock provides you with a detailed view of your transaction declines so that you can answer the following:

  • What is my most common decline code over time?
  • What is my most common decline code by processor?
  • What is my distribution of declines by network? By card type? By issuer country?


The Settlements report explores your transaction settlement data. Settlements include all funds distributed to you after you successfully authorize and process transactions. These funds are typically equal to the amount of your sales minus interchange, fees, and assessments.

Digging into your settlement data in Peacock can help you understand where you're actually making the most money, broken down by currency and processor. You can also see trends over time in when you see spikes and dips in your cumulative settlement amount.


When you refund a transaction—either proactively or at the request of a customer—you return the settled funds from that transaction to the customer in full. Depending on your payment processor, you may pay fees in association with each refund, meaning refunds can result in revenue loss for your business. The Refunds report in Peacock gives you an at-a-glance view of your refund volume and rate over time, helping you better understand fluctuations in your overall settlement amount.


Chargebacks typically occur when a cardholder claims they aren’t responsible for a charge and files an official dispute with their card-issuing bank. When a merchants loses a chargeback with their customer, they're forced to reverse the transaction, credit the charged amount back to the cardholder's balance, and pay fees for the dispute to their payment processor. Ultimately, chargebacks result in lost sales and compounding tangible and intangible losses to a business.

Peacock's Chargeback report breaks down your chargeback volume by various factors, including processor, issuing country, and issuer. It also includes a comprehensive breakdown of the reason codes assigned to your chargebacks. These reason codes indicate exactly what led to the chargeback in the first place, thus providing valuable insight into changes you can make as a business to either detect service issues earlier in the customer journey or flag technical issues that need remediation. The more you know about your chargeback volume, the better you can assess the impact of them on your business and find ways to mitigate them in the future.


Peacock's Fee reports are coming soon. Stay tuned!

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