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

• Transactions

• Payment Method

• Chargebacks & Refunds

Each standard dashboard under these categories is comprised of charts and sub-charts. You can apply filters in any combination you need to break this data down for your own analysis.

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Transactions

Transaction dashboards break down your processed transaction volume into different segments. You can use this data to better understand trends in your overall transaction processing.

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Processors 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 brands 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 Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by processor; click the Display Approval Rate Trend toggle to view a trend line for an individual processor’s approval rate over the chosen time period

• Processor Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by processor

• Processor Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by both the assigned decline code and processor; most sub-charts display data broken down by Pagos’ decline code values, but two of them display raw decline code data, or the declines as they appear from the processors

• 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

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Verifications 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 they’re 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:

• Verification Approval Rate - Demonstrates your verification approval rate and attempted verification volume (both the total number of attempted verifications and their combined value) over time

• Verification Decline Codes - Breaks down all your declined verifications (both the number of declined transactions and their combined value) by the assigned decline code

• Payment Method Verifications - Breaks down all of your processed verifications (both the total number of verifications and their combined value) by payment method

• 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)

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Declines 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 Declines 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 combined value—by either the assigned decline code (Decline Code Transactions sub-charts) or decline code category (Decline Code Category Transactions sub-charts); click the Display Trend toggle on any bar graph sub-charts to view a trend line for an individual decline code over the chosen time period

• Processor Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by both the assigned decline code and processor; most sub-charts display data broken down by Pagos’ decline code values, but two of them display raw decline code data, or the declines as they appear from the processors

• Decline Code by Stored Credential - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by the stored credential type; sub-charts break down all declined transactions of a particular stored credential type by the assigned decline code

• Top 25 BINs by Decline Codes - Lists the top 25 BINs of the cards you processed declines for (both by the total number of declines processed and their total combined value), subdivided by the assigned decline codes

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Retries Dashboard

Adyen retries some failed transaction attempts based on their own internal logic. Peacock only counts the final attempt of a retried Adyen transaction in your ingested data, tagging it with a custom flag indicating the total number of times Adyen attempted the transaction (e.g. Initial Attempt, Second Attempt, etc). This dashboard includes one chart, Transaction Retry Attempts, which displays the total number of attempted transactions tagged with each retry flag, along with the approval rates of those retries.

For example, if you have 10 transactions tagged as Second Attempt with an approval rate of 90%, this means Adyen attempted 10 different transactions twice each, and of those, 9 succeeded after the second attempt while 1 continued to fail (but Adyen didn’t retry again).

With this chart, you can compare approval rates for retried vs. initial Adyen transactions, and track how many of those retries are successful and how many are ultimately declined. Keep in mind, if an initial transaction fails and Adyen attempts it again, the initial decline will not count toward your approval rate for transactions labeled as Initial Attempt, since we only log the final attempt of any Adyen transaction. In other words, the count of Initial Attempt transactions doesn’t include every Adyen transaction, but instead includes the count of Adyen transactions that were only attempted once. The same is true for Second Attempt and Third Attempt transaction counts and approval rates.

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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 card brand 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 Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by the type of stored credential used

• 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 Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by both the assigned decline code and stored credential type

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CVV/AVS Dashboard

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 brands 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 Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by the assigned CVV or AVS flag

• CVV/AVS Flag Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined 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

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

• Customer Country Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by the countries your customers made purchases from

• 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 Decline Codes - Breaks down all of your declined transactions (both the total number of declined transactions and their combined 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

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

• Currency Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by the currency used

• Currency Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) by the currency used

• Currency Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by both the assigned decline code and currency

• Currencies & 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)

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3D Secure Dashboard

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 3D Secure away from your business and onto the issuing bank in the event of a chargeback. The 3D Secure 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 3D Secure dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

• 3DS Approval Rate - Breaks down your 3DS transaction approval rate and attempted 3DS volume (both the total number of attempted transactions and their combined value) by processor

• 3DS Transactions - 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 Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by both the assigned decline code and whether or not the transaction was processed with 3DS

• CIT 3DS Transactions - The number and total combined value of all customer-initiated 3DS transactions, and the breakdown of those transactions by stored credential; customer-initiated transactions are those made with the stored credentials of one-time, recurring-first, or card-on-file-vault

• 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

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Payment Methods

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Payment Methods Dashboard

As a merchant, you decide which payment methods you want to accept; it’s up to you which credit card brands 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 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 Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) in various ways: by payment method, by payment method categories (card vs. non card), and by payment method sub-categories

• Payment Method Transactions - Breaks down all of your processed transactions (both the total number of transactions and their combined value) in various ways: by payment method, by payment method categories (card vs. non card), and by payment method sub-categories

• 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 - Breaks down all your declined transactions (both the total number of declined transactions and their combined value) by both the assigned decline code and one of the following: payment method, payment method category (card vs. non card), or payment method sub-category

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Cards Dashboard

Payment cards are issued with one or more card brands (Visa, Mastercard, Amex) so they can leverage the pre-existing relationships between acquiring and issuing banks for 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 transactions, and each brand presents its own set of rules.

Cards are 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 brand and card type, so you can explore how different cards perform over time, and how they relate to each other. The Cards dashboard includes the following charts, each containing sub-charts to demonstrate your data through different lenses:

• Card Brand Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by the card brand used

• 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 Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined 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 the total number of transactions and their combined value)

• Transaction Count by Card Product - The total number of transactions you processed in the set time period, broken down by card product ID and further subdivided by card product name, payment method, and card brand

• Card Type Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by the card type used

• 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 Decline Codes - Breaks down all your declined transactions (both the total number of declined transactions and their combined 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

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Issuers 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. 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.

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

• Issuing Country Approval Rate - Breaks down your approval rate and attempted transaction volume (both the total number of attempted transactions and their combined value) by issuing country

• 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 Decline Codes - Breaks down all of your declined transactions (both the total number of declined transactions and their combined 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

• 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, listed in descending order by approved transaction value

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Chargebacks & Refunds

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Chargebacks Dashboard

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 of disputed transactions and their combined value) over time; confirm in the tooltip on each sub-chart whether the chart uses Visa or Mastercard’s formula to calculate chargeback rate. This chart excludes chargebacks that result in rapid dispute resolution and chargebacks in the chargeback status categories of cancelled, RFI, pre-arbitration, or notification_of_fraud.

• 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; confirm in the tooltip on each sub-chart whether the chart uses Visa or Mastercard’s formula to calculate chargeback rate. This chart excludes chargebacks that result in rapid dispute resolution and chargebacks in the chargeback status categories of cancelled, RFI, pre-arbitration, or notification_of_fraud.

• 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; confirm in the tooltip on each sub-chart whether the chart uses Visa or Mastercard’s formula to calculate chargeback rate. This chart excludes chargebacks that result in rapid dispute resolution and chargebacks in the chargeback status categories of cancelled, RFI, pre-arbitration, or notification_of_fraud.

• Chargeback Status Categories - Breaks down all your chargebacks (both the total number of disputed transactions and their combined value) by the chargeback status category

• Chargeback Reason Codes - Breaks down all your chargebacks (both the total number of disputed transactions and their combined 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. This chart excludes chargebacks that result in rapid dispute resolution and chargebacks in the chargeback status categories of cancelled, RFI, pre-arbitration, or notification_of_fraud.

• 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. This chart excludes chargebacks that result in rapid dispute resolution and chargebacks in the chargeback status categories of cancelled, RFI, pre-arbitration, or notification_of_fraud.

• Non-Card Disputes by Payment Method - Breaks down all your non-card disputes (both the total number of disputed transactions and their combined value) by the payment method used. This chart excludes chargebacks that result in rapid dispute resolution and chargebacks in the chargeback status categories of cancelled, RFI, pre-arbitration, or notification_of_fraud.

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Refunds Dashboard

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 of refunded transactions and their combined value), and shows the refund rate

• Processor Refunds - Breaks down all your refunded transactions (both the total number of refunded transactions and their combined value) by processor, and show the processor refund rate

• Currency Refunds - Breaks down all your refunded transactions (both the total number of refunded transactions and their combined 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 of refunded transactions and their combined value)

• Payment Method Refunds - Breaks down all of your refunded transactions (both the total number of refunded transactions and their combined value) by the payment method used

• Card Brand Refunds - Breaks down all of your refunded card transactions (both the total number of refunded transactions and their combined value) by the card brand used