Standard Dashboards

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:


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 can provide you with 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.

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).

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

  • What is my approval rate for each payment method I accept?
  • How much share of my transaction count is attributed to each payment method?
  • What types of declines am I seeing for each payment method?

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. Every card type does not perform the same and looking at the Card Type dashboard 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 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 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 dashboard can provide you with 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 for each currency?

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 country.

Peacock provides you with a detailed view of the performance of issuing banks alone or grouped by country. Use this dashboard 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 issuing country I'm accepting cards from?
  • What share of my volume is going to each issuer country?
  • What are the top banks that issued cards I'm processing?

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, where as one-time transactions mean 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 stored credential transaction type?
  • How much share of my volume is going to each?
  • How successful is each stored credential transaction type by card network?
  • What are the top decline codes for each stored credential value?

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.

Peacock provides a detailed view of your transaction performance across different CVV and AVS response codes, and can help you answer these key questions:

  • What is my approval rate for each type of CVV or AVS response code?
  • What share of my volume is being processed with each CVV or AVS response code?
  • What is the performance of the different types of transactions by both CVV/AVS response code and processor?
  • Does my approval rate increase as I include more information on my transactions?

Decline Analysis 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.

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 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 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 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.


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.



This dashboard is currently in Beta

At this time, the Fees dashboard only includes fee data for Chase and PYPL Legacy transactions.

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

The Fees dashboard explores your fee data broken down by categories and subcategories. Fee categories include the main three mentioned above: interchange, assessment, and processor. The subcategories further break fees down by details such as authorization, chargeback, integrity, misuse fees, etc.


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.

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