HOW IT WORKS
Direct Connection
for Real-Time Ingestion
Connect your processors to Pagos through no-code integrations. Pagos harmonizes your data and surfaces insights in real time. No engineering lift. No custom dashboards to build.
Data Connections
Add Data Connection
Processor
Chase Integration
Chase
Connection Type
Batch
Created date
17 May, 2025
Adyen US Market
Adyen
Connection Type
Batch
Created date
17 May, 2025
Connect Your Data
Pagos will guide you through our no-code integrations with processors, networks, and fraud providers. Once connected, view new data in real time.
Charts / Transaction Count By Processor and Transaction Status Across Time
Transaction Count
Processor
Across Time
Add Filter
Transaction Count by Processor and Transaction Status Across Time
The total number of attempted Transactions across time when split by Processor and Transaction Status
324,848
400,000
300,000
40,000
See Insights & Opportunities
Pagos harmonizes, labels, and enriches your data across sources to surface actionable insights and prioritized opportunities.
Pagos AI
Pagos MCP:
Compare approval rates across our PSPs in APAC over the last 30 days.
Pagos.ai
APAC Approval Rates (Last 30 Days)
Processor A: 91.2% (+0.3% vs. prior period)
Processor B: 87.4% (−1.8% vs. prior period)
Processor C: 93.1% (+0.1% vs. prior period)
Processor B's decline rate increased primarily on Visa credit cards from Japanese issuers. The top decline code is "Insufficient Funds" (14N), which jumped 2.4x in the last two weeks. This pattern is not visible on the Pagos network benchmark, suggesting it may be configuration-specific. Would you like me to break down Processor B's declines by issuer?
Hello, I'm here to help make sense of your payments data…
Access Anywhere
View insights in the Pagos dashboard, export to your data warehouse, or access conversationally via Pagos AI and the MCP server.
DASHBOARD
Your Payments Team's
Secret Weapon
Pagos shows you exactly where to focus your optimization efforts. Instead of browsing dashboards looking for problems, you see the issues and opportunities Pagos has already identified for your business.
Conversion
12 BINs with approval rates 8%+ below your average
These BIN ranges on Processor A have significantly lower authorization rates than the same BINs on Processor B. Routing changes could recover an estimated $340K in annual approved volume.
Cost
New cross-border assessment fee detected on Processor B
A previously unseen fee subcategory appeared this month on EU-originated transactions. Total impact: $12,400 in the last 30 days.
Revenue
Debit routing eligible volume not using lowest-cost network
23% of your regulated debit transactions are routing to Visa when a lower-cost network is available. Estimated annual savings: $89K.
Compliance
VAMP ratio trending upward — 1.2% against 1.5% threshold
Dispute rate acceleration in your subscription segment. At current trajectory, you will exceed the enforcement threshold in 5 weeks.
Cost
Interchange downgrades on commercial card transactions
34% of your B2B transactions are qualifying at the Standard rate instead of Level 3/Product 3 due to missing tax and line-item data. Potential savings: 15 bps net per transaction.
CORE METRICS
Key Metrics Broken Down
However You Need Them
Surface the KPIs most important to your payments performance, broken down by processor, card type, geography, BIN, MCC, and more.
Approvals
Declines
Chargebacks
Refunds
Disputes
Verifications
Transaction Count
Processing Volume
Fee Breakdown
Effective Rate
Charts
New Chart
Declined Transaction Count by Decline Cod…
93,648
Custom Charts
Break down any metric by any dimension. Build, save, and share charts with your team. Open fee data directly in the chart builder for deeper analysis.
Approvals
Processor
Approval Rate
68
%
2.03%
vs previous period
Approved Transaction
11,528,018
59,542
vs previous period
Approved Value
$
1,383,612.64
$9.91m
vs previous period
Approval Rate
The percentage of transactions that are successful
Benchmarking
Compare your payments performance against anonymized industry peers. See where you sit relative to the Pagos network, and which improvements have the biggest impact.
Snapshots
Processor
Approval & Transactions
Total Approved Value
$
413,986.36
USD
Attempted Value by MID
$
6,443,625.01
USD
US MID
EUROPE MID
BRAZIL MID
Declines
Snapshots
Point-in-time captures of your key metrics for executive reporting, board presentations, or internal reviews. Share without building custom reports.
POWERED BY PAGOS AI
AI to Surface
What You're Missing
Pagos AI analyzes your data continuously to call out trends, anomalies, and opportunities that are difficult to spot in traditional dashboards. Ask questions in natural language and get verified answers.
Chat With Your Data
Ask questions like "Compare approval rates across our PSPs in APAC over the last 30 days" and receive data-backed answers with supporting visualizations. Available in the Pagos dashboard and via MCP.
Pattern Detection
AI analysis flags trends you can't see in a standard dashboard—prepaid BIN degradation, payment mix shifts affecting interchange, issuer behavior changes—and guides you where to go deeper.
Risk Quantification
Receive detailed fraud, chargeback, and risk insights. Understand if chargebacks are accelerating, if your fraud rules are tuned correctly, and which disputes your team will win.
FAQ
Related Topics
Product
Cost Optimization
Transaction-level cost breakdown and interchange analysis across all processors.
Read More
Product
Payments Monitoring
Real-time anomaly detection and intelligent alerts for conversion and cost.
Read More
Product
BIN Data
Card-level intelligence from direct network feeds for routing and risk decisions.
Read More
Product
Pagos MCP Server
Conversational access to your payments data through your preferred AI tools.
Read More
Blog
Approval Rate Optimization
Why monitoring authorization rate in isolation misses the actual story.
Read More
Learn
Payments Optimization
How insights, monitoring, and intelligence work together to improve performance.
Read More
Insights are
Waiting
Connect your processors and see your first opportunities this afternoon.