The Standard Dashboards section of your Peacock Service Panel contains the following categories of pre-made dashboards for viewing specific segments of your payments data:

Each standard dashboard is comprised of charts and sub-charts that display relevant transaction data first, then approval data, decline code data, and any other specific valuable views. You can apply filters in any combination you need to break this data down for your own analysis. Use the columns slider to choose how charts appear in each dashboard (in one, two, or three columns); the less columns chosen, the larger the charts appear.

Verifications

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This dashboard is currently in Beta
At this time, the Verifications dashboard is under development. Keep checking back for updates to the data available in this dashboard.

A verification is a temporary, low value transaction (between $0 and $1) that a business authorizes on their customer’s payment method before accepting a larger payment transaction. This quick verification step confirms the customer’s identity and availability of funds. Peacock can help you bring clarity on how your business is processing verifications, including how many you process, how often their approved, and the reason codes behind any declines.

The Verifications dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Aggregated Verifications - Shows the total number of verifications you processed in the set time period, both by count and value
Verification Approvals - Demonstrates your verification approval rate and approved verification volume (both the total number of approved verifications and their combined value) over time
Verification Decline Codes - Breaks down all your declined verifications (both the number and value) by the assigned decline code
Top 25 BINs by Verification - Lists the top BINs of the verifications that you processed (both by the total number of verifications processed and their total verification value)
Payment Method Verifications - Breaks down all of your processed verifications (both the total number of verifications and their combined value) by payment method

Transactions

Transaction dashboards 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 Dashboard

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 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 dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Processor Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by processor
Processor Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by processor
Processor Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and processor
Card Type Transactions by Processor - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the card type used in the transaction and processor
Payment Method Transactions by Processor - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the payment method used in the transaction and processor

These charts can highlight areas in your own routing, payment stack code, or even customer behavior that could be helping or hurting your payment optimization.

Payment Method Dashboard

As a merchant, you decide which payment methods you want to accept; it's up to you which credit card networks you feel comfortable processing and whether or not you want to accept payments via PayPal or mobile services like Google Pay, Android Pay, or Apple Pay. Using the Peacock Payment Method dashboard, you can better understand how each payment method is performing and identify the payment methods from which the majority of your transactions originate and process successfully. For those payment methods with lower approval rates, you can use the transaction responses to determine if some changes to your setup might result in more successful transactions (and more revenue for your business).

The Payment Method dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Payment Method Transactions
- Payment Method Transactions sub-charts - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by payment method
- Payment Method Category Transactions sub-charts - Breaks down all of your processed transactions (both the total number of transactions and their combined value) into two categories: card and non-card
- Payment Method Subcategory Transactions sub-charts - Breaks down all of your processed transactions (both the total number of transactions and their combined value) into payment method subcategories (e.g. ewallet, direct deposit, etc.)
Payment Method Approvals
- Payment Method Approvals sub-charts - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by payment method
- Payment Method Category Approvals sub-charts - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) into two categories: card and non-card
- Payment Method Subcategory Approvals sub-charts - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) into payment method subcategories
Payment Method Average Order Value - Breaks down the average order value of all your processed orders in various ways: by payment method, by payment method categories (card vs. non card), and by payment method sub-categories
Payment Method Decline Codes:
- Payment Method Decline Codes sub-charts - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and the payment method used
- Payment Method Category Decline Codes sub-charts - Breaks down all your card and non-card declined transactions (both the total number and value) by the assigned decline code
- Payment Method Subcategory Decline Codes sub-charts - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and the subcategory of the payment method used

Card Brand Dashboard

Card brands play a significant role in payments processing. A card brand—or card network—is essentially an organization that enables payment card transactions. They are the ones who set the standards by which the acquirers must process the transactions carried out by this payment method. However, each brand presents its own set of rules. For example, Visa and MasterCard are two card brands (two companies) that might have different requirements than Amex (American Express).

When you analyze card brand performance over time, you can identify trends and explore details by card brand that are directly linked with consumer preferences and behavior, plus you’ll see at a high level how each brand performs.

The Card Brand dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Card Brand Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by card brand
Card Brand Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by the card brand used
Card Brand Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and the card brand used
Card Brand by Country - Lists the top card brands by country that you processed (both by the total number of transactions processed and their total transaction value) for credit and debit cards
Top 25 BINs by Card Brand - Lists the top BINs by card brand of the transactions that you processed (both by the total number of transactions processed and their total transaction value)

Card Type Dashboard

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; prepaid 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 trends broken down by card type so you can explore how different cards perform over time, and how they relate to each other. The Card Type dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Card Type Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by card type
Card Type Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by the card type used
Card Type Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and the card type used
Top Issuing Banks by Card Type - Lists the top issuing banks of the credit, debit, and prepaid cards that you processed, both by the total number of transactions processed and their total transaction value

Presentment Currency Dashboard

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 presentment 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.

The Presentment Currency dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Currency Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by the currency used
Currency Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by the currency used
Currency Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and currency
Currencies and Countries - Lists the top issuing countries and currencies of the cards you processed; (both by the total number of transactions processed and their total transaction value)

Issuing Bank Dashboard

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 where they determine—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 cost, risk, revenue, and country-specific regulations. In short, this work can be very complex and it can be different for each bank in each country on any given day. It is therefore important to understand your payment performance by issuing bank.

Peacock provides you with a detailed view of the performance of issuing banks alone or grouped by country. The Issuing Bank dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Top 25 BINs by Transaction Count - Lists the top BINs of transactions that you processed (both by the total number of transactions processed and value)
Top Issuing Banks - Lists the top Issuing Banks of transactions that you processed (both by the total number of transactions processed and value)
Card Transaction Percentage by Region - Displays the number of card transactions over total, by region

Issuing Country Dashboard

Each country has its own bureaucracy, legal requirements, regulations, and general rules that impact payments processing. This means, depending on the issuing country, each transaction might be approved or declined more easily, payment methods might vary, and even the decline reasons could be different.

As a consequence, it's useful to understand how different countries directly influence payments performance. The Issuing Country dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Issuing Country Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by issuing country
Issuing Country Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by issuing country
Issuing Country Decline Codes - Breaks down all of your declined transactions (both the total number and value) by both the assigned decline code and issuing country
Issuing Country by Processor - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the processor and the issuing country of the provided card
Issuing Country by Payment Method - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the payment method used and the issuing country of the provided card

Customer Country Dashboard

Understanding who your customers are can direct many aspects of your business: what you sell, what currencies you accept, what payment methods you process, how and where you market your products, and so much more. To help guide these decisions, Peacock provides you with real time data on the countries where your customers make purchases from.

The Customer Country dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Customer Country Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by the countries your customers made purchases from
Customer Country Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by the countries your customers made purchases from
Customer Country Decline Codes - Breaks down all of your declined transactions (both the total number and value) by both the assigned decline code and customer country
Customer Country by Processor - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the processor and the countries your customers made purchases from
Customer Country by Payment Method - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the payment method used and the countries your customers made purchases from

Stored Credentials Dashboard

Merchants process different types of transactions with their customers, often using vaulted cardholder payment credentials. Every transaction includes a Stored Credential field, which captures your intention for the transaction as it pertains to the use of such stored credentials. For example, is the transaction card-on-file from your vault? Is it a recurring transaction for a subscription or a payment installment? 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, whereas one-time transactions mean you might be transacting for the first time.

The Stored Credential dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Stored Credential Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by the type of stored credential used in the transaction
Stored Credential Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by the type of stored credential used
Stored Credential Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and stored credential type

CVV/AVS Dashboard

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.

The CVV/AVS dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

CVV/AVS Flag Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by the assigned CVV or AVS flag
CVV/AVS Flag Approvals - Breaks down your approval rate and approved transaction volume (both the total number and value of approved transactions) by the assigned CVV or AVS flag
CVV/AVS Flag Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and CVV or AVS flag
CVV/AVS Flags by Stored Credential - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by both the assigned CVV or AVS flag and the type of stored credential used

Decline Codes Dashboard

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.

The Decline Analysis dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Decline Code Transactions - Breaks down all your declined transactions—both the total number and value—by the assigned decline code (Decline Code Transactions sub-charts) or decline code category (Decline Code Category Transactions sub-charts)
Processor Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and processor
Decline Code by Stored Credential - Breaks down all your declined transactions (both the total number and value) by the assigned decline code for transactions made with different types of stored credentials
Decline Code Frequency Heatmaps - Breaks down all your declined transactions (both the total number and value) by the assigned decline code and by various transaction identifiers, including card brand, card type, and issuing country.
Top 25 BINs by Decline Codes - Lists the top BINs of transactions that you processed (both by the total number of transactions processed and value) by decline codes

Disbursements

The Disbursements dashboard 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 when you see spikes and dips in your cumulative settlement amount.

The Disbursements dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Cumulative Disbursement - Your total disbursement amount, demonstrated cumulatively over the set time period
Currency Disbursement - Your total disbursement amount, demonstrated over time for various regions and currencies
Currency Disbursement by Processor - Your total disbursement amount broken down by currency and processor

Refunds

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 a revenue loss for your business. The Refunds dashboard 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.

The Refunds dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Aggregated Refunds - Breaks down all your refunded transactions (both the total number and value), and shows the refund rate
Processor Refunds - Breaks down all your refunded transactions (both the total number and value) by processor, and show the processor refund rate
Currency Refunds - Breaks down all your refunded transactions (both the total number and value) by currency
Top 25 BINs by Refund Volume - Lists the top BINs of the cards you processed refunds for (both by the total number of refunds processed and their total refunded value); depending on the sub-chart, you'll view data for refunds processed in the selected time period or for refunds of transactions that originated in the selected time period
Refunds Status - Breaks down the status of all your refunded transactions (both the total number and value)
Payment Method Refunds - Breaks down all of your refunded transactions (both the total number and their combined value) by the payment method used
Card Brand Refunds - Breaks down all of your refunded card transactions (both the total number and their combined value) by the card brand used

Chargebacks

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 merchant 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 Chargebacks dashboard 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.

The Chargebacks dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Aggregated Chargebacks - Demonstrates your chargeback rate and disputed transaction volume (both the total number and value of all chargebacks) over time; use the Visa/Mastercard switcher to select which brand’s formula we use to calculate chargeback rate
Chargebacks by Processor - Breaks down your chargeback rate and all of your chargebacks (both the total number of disputed transactions and their combined value) by processor; use the Visa/Mastercard switcher to select which brand’s formula we use to calculate chargeback rate
Chargebacks by Issuing Country - Breaks down your chargeback rate and all of your chargebacks (both the total number of disputed transactions and their combined value) by issuing country; use the Visa/Mastercard switcher to select which brand’s formula we use to calculate chargeback rate
Chargeback Status Categories - Breaks down all your chargebacks (both the total number and value) by the chargeback status category
Chargeback Reason Codes - Breaks down all your chargebacks (both the total number and value) by the chargeback reason code
Top 25 BINs by Chargeback Volume - The top 25 BINs of the cards you processed chargebacks for in the set time period, listed in descending order of chargeback count
Chargebacks Average Order Value - The average order value (AOV) of all successful transactions and the AOV of all the chargebacks you processed, demonstrated over time

Costs

Payment processing inherently comes with costs of all kinds—bank fees like interchange rates, network fees from card brands, and processor fees from the payment processors themselves. Understanding what costs you're accumulating and from where can help your business assess overall profitability and performance. When you know where costs come from, you might even find opportunities for reducing them (and therefore improving your bottom line).

The Costs dashboard explores your costs data broken down by categories and subcategories. Costs categories include the main three mentioned above: interchange, network, and processor. The subcategories further break fees down by details such as authorization, chargeback, integrity, misuse fees, etc. You can review definitions of each fee code and the associated fee categories and subcategories in our API Reference Documentation.

The Costs dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

Category Costs - Breaks down all your fees and invoices by cost category.
Subcategory Costs - Breaks down all your fees and invoices by cost subcategory.
Costs by Card Brand - Breaks down your processing costs by card brand and either category (Category Costs by Card Brand sub-charts) or subcategory (Subcategory Costs by Card Brand sub-charts).
Costs by Category and Subcategory - Breaks down your costs by both category (Interchange, Processor, and Assessment) and subcategory; hover over a sub-chart name in the drop-down menu to select which processor you want to view data for
Effective Rate - Your effective fee rate (your total fee amount divided by total sale amount), demonstrated over the set time period. By default, the total sale amount includes the total processed transaction amount. Use the Controls drop-down menu to subtract refunds, chargebacks, and non-transactional PayPal activities (e.g. transfers, holds, and currency conversions) from the effective fee rate calculation.
- Keep in mind, the Effective Rate chart only shows data for the following processors: Adyen, Braintree, PayPal, and Vantiv
Costs by MID - Breaks down the value of your processing costs by MID; hover over a sub-chart name in the drop-down menu to select which fee category you want to view data for.
Interchange and Network Costs - The value of fees in the Interchange and Network cost categories that you faced in the set time period. Download the data from this chart to view a detailed breakdown of these costs. At this time, this chart only shows cost data for Adyen transactions.

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Important Notes About the Costs Dashboard:

When you download the raw data from any chart in the Costs dashboard, the downloaded CSV will include a Merchant Account ID column to identify the MID that was impacted by each fee.

Some processors (e.g. Braintree and Adyne) only provide fee details on a monthly basis. As such, selecting any other time interval in the Period filter other than Monthly can result in an error.

Costs Dashboard Filters

The Costs dashboard only shows data related to payment processing costs. As such, not all of the data filters available elsewhere in Peacock apply to the data in this dashboard. You can use the following filters to segment the data displayed in the Costs dashboard:

Period
Compare To
Processor
Card Brand
Payment Method Type
Currency

3DS

To mitigate your fraud risk, you may use 3D Secure (3DS) when processing card-not-present transactions online. This additional security layer not only stops most fraudsters at checkout, but shifts liability away from your business and onto the issuing bank in the event of a chargeback. The 3DS dashboard in Peacock provides you with a greater understanding of the frequency by which you employ 3DS, including a breakdown of the 3DS version used. You'll also find data on the success rate by processor for 3DS transactions, and the response code breakdown for these transactions.

The 3DS dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

3DS Transaction Count - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by 3DS vs non-3DS, and demonstrates the total number and value of 3DS transactions processed over time
3DS Approvals - Breaks down your 3DS transaction approval rate and approved 3DS volume (both the total number and value of approved transactions) by processor
3DS Decline Codes - Breaks down all your declined transactions (both the total number and value) by both the assigned decline code and whether or not the transaction was processed with 3DS
CIT vs. MIT Transactions - The number and total combined value of all customer-initiated vs. merchant-initiated 3DS transactions
3DS Authentication Result - Breaks down all of your processed 3DS transactions (both the total number of transactions and their combined value) by the 3DS authentication result