> ## Documentation Index > Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt > Use this file to discover all available pages before exploring further. # Afterpay on Vortex IQ > Monitor Afterpay payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. Monitor Afterpay payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. No changes are made without the configured approval policy. Read-only operations do not modify the connected system; schedules, access scopes, API usage and data handling remain governed by Vortex IQ controls. [Connect or manage this source](https://app.vortexiq.ai/workbench/settings/sources) · [How connecting works](/integrations/connector-catalogue) | **18** | **5** | **Build your own** | **Ready to build yours** | **10** | | ------------------- | ---------------- | ------------------ | ------------------------ | -------------- | | performance signals | automated checks | automated fixes | workflows | API operations | ## Monitor performance 18 performance signals. Signals with an alert band can raise Nerve Centre alerts; every signal supports a merchant-configured watcher. | Signal | Outcome | Alert behaviour | What it tracks | | --------------------------------------------------- | ------------------- | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Afterpay Refund Spike × Commerce Returns Spike** | Protect revenue | Merchant rule | Afterpay refund volume rising in lockstep with commerce returns - a product / fulfilment / quality issue draining BNPL margin, not a payments glitch. | | **Afterpay-vs-Commerce Revenue Reconciliation Gap** | Protect revenue | Alert band 0 / 2 | Captured Afterpay volume that doesn't reconcile to commerce-sibling Afterpay-paid order revenue = a sync / capture / settlement gap to chase. | | **3DS Abandonment Rate** | Protect revenue | Watch only | Share of 3DS-challenged Afterpay transactions abandoned at the challenge step - added friction / lost conversion. | | **Average Transaction** | Customer experience | Merchant rule | Afterpay AOV - total captured volume / captured order count. The BNPL basket-size lift over card checkout. | | **Avg Settlement Time (days)** | Run operations | Merchant rule | Mean days from capture to Afterpay payout landing. Afterpay typically settles 1-3 business days after capture. | | **Chargeback Rate** | Protect revenue | Watch only | Chargebacks as a share of transactions. Above the 1% Visa/Mastercard programme threshold is monitoring-programme risk. | | **Decline Rate** | Protect revenue | Alert band 5 / 8 | Share of Afterpay attempts declined by Afterpay's upfront risk model. Pair with Top Decline Reasons to see what's driving it. | | **Dispute Rate** | Protect revenue | Watch only | Open disputes + inquiries as a share of transactions - early-warning band before formal chargebacks. | | **Oldest Pending Payout (days)** | Run operations | Watch only | Age in days of the oldest still-pending payout. Aging past the typical 1-3 day schedule is a cash-flow / settlement-health flag. | | **Pending Payouts** | Run operations | Merchant rule | Gross value of Afterpay settlements still in PENDING / IN\_TRANSIT - cash captured but not yet in the bank. | | **Refund Rate** | Protect revenue | Alert band 3 / 8 | Refunded value as a share of captured Afterpay volume. A spike vs baseline flags returns / quality / fulfilment issues. | | **Refund Volume** | Protect revenue | Merchant rule | Total value refunded through Afterpay in the period. Subtract from Total Volume for net BNPL revenue. | | **Success Rate** | Customer experience | Alert band 95 / 90 | Share of Afterpay attempts that approved and captured. Below 90% signals checkout friction or underwriting tightening. | | **Top Decline Reasons** | Protect revenue | Merchant rule | Decline-reason mix across declined Afterpay attempts - where recoverable BNPL revenue is leaking. | | **Top Payment Methods** | Run operations | Merchant rule | Mix of underlying payment instruments / Pay-in-4 channels (web, Cash App) backing Afterpay orders. | | **Total Transactions** | Run operations | Merchant rule | Count of successful Afterpay Pay-in-4 orders (APPROVED + CAPTURED). Volume / this gives Afterpay AOV (typically \~25% above card AOV). | | **Total Volume** | Protect revenue | Alert band 0 / -15 | Gross Afterpay Pay-in-4 volume captured in the period (status CAPTURED, summed by totalAmount). Gross of refunds + Afterpay's merchant fee; multi-currency native. | | **Volume Trend** | Run operations | Merchant rule | Daily captured Afterpay volume over the window - the shape behind the headline Total Volume number. | ## Audit risks and opportunities A fix status appears only where the action, inputs, approval, verification and recovery controls are mapped. Candidate remediations are never executable. | Check | Severity | Outcome | Why it matters | Fix status | | ------------------------------------------------------------------------ | -------- | --------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------- | | **Dispute rate above 1% (Visa/Mastercard threshold)** | critical | Protect revenue | 1% is the threshold Visa and Mastercard use to flag a merchant as excessive, and crossing it puts the account at risk of monitoring programs, extra fees, and in sustained cases, the ability | Candidate remediation | | **Decline rate above 8%** | high | Protect revenue | More than 8% of payment attempts are being declined. Every decline is a customer who was ready to pay and did not complete the sale, so this is lost revenue at the very last step of the funn | Report only | | **Refund rate spiked > 50% vs 7-day average** | high | Protect revenue | Refunds jumped more than 50% above the recent weekly average. A spike this fast and this size usually has one specific, recent cause worth finding quickly, before it settles into an ongoing | Candidate remediation | | **3DS challenge friction , > 30% of qualifying transactions abandoned** | medium | Protect revenue | More than 3 in 10 shoppers who reach a 3D Secure identity challenge are abandoning it rather than completing it. These are customers who already committed to buying and entered payment detai | Candidate remediation | | **Payout overdue > 5 days vs typical schedule** | medium | Grow revenue | A payout is running more than 5 days behind this gateway's usual schedule. That is revenue already earned that has not reached the store's bank account, which affects cash flow directly rega | Candidate remediation | ### Build your own automated fixes 5 checks report findings on Afterpay today. Turn any finding into an automated fix with a Vortex IQ workflow: **13,885 read and write operations across 229 connectors** are available as building blocks, with approval, verification and rollback on every change. ## Automate approved work Vortex IQ is integrated with **8 read** and **2 write** operations across disputes, payments, payment refunds, settlements, configurations, disputeresponds on Afterpay. Combine them with anything from the **13,885 operations across 229 connectors** to automate the work in your own words. Changes follow the merchant's configured approval policy: the target, proposed change, affected records, risk, reversibility and verification plan are shown before execution. Read-only operations do not modify the connected system. [Create a workflow](https://app.vortexiq.ai/workbench/flows/create?connector=afterpay) | Resource | Read operations | Write operations | | --------------- | --------------- | ---------------- | | disputes | 2 | 0 | | payments | 2 | 0 | | payment refunds | 1 | 1 | | settlements | 2 | 0 | | configurations | 1 | 0 | | disputeresponds | 0 | 1 | Signed-in users see the full catalogue in the workflow builder, filtered to the sources they have connected. ### Ready to build your first Afterpay workflow Pick a trigger, add the operations above as steps, and every step that changes data pauses for your approval. Monitoring and audits are live now and can start any workflow you build. *** *Generated from the connector capability graph. Counts reflect the servable registry after alias normalisation and de-duplication, and refresh automatically when the registry changes.*