> ## 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. # Authorize.net on Vortex IQ > Monitor Authorize.net payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. Monitor Authorize.net 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** | **4** | **Build your own** | **Ready to build yours** | **6** | | ------------------- | ---------------- | ------------------ | ------------------------ | -------------- | | 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 | | ----------------------------------------- | --------------- | ------------------ | ---------------------------------------------------------------------------------------------------------------------------------------- | | **Captured vs Commerce Revenue** | Protect revenue | Merchant rule | Reconciliation gap between gateway-captured dollars and commerce order revenue. >2% drift = double-count, refund-timing or routing leak. | | **Chargeback Rate** | Protect revenue | Watch only | Buyer-initiated reversals / settled. >0.9% triggers Visa AMP / Mastercard ECM monitoring; >1% risks account termination. | | **Decline Rate** | Protect revenue | Alert band 5 / 8 | Declined + voided + FDS-rejected over all attempts. 3DS-failed counts here; 3DS-abandoned does not. | | **Decline Spike vs Checkout Funnel Drop** | Protect revenue | Merchant rule | When Authorize.Net declines spike, does commerce checkout completion drop? If yes, declines are causing real revenue loss. | | **Success Rate** | Run operations | Alert band 95 / 90 | Settled / all-attempts. The best single gauge of auth quality, BIN routing and FDS-rule sanity. | | **Total Volume** | Protect revenue | Alert band 0 / -15 | Gross settled dollars through the gateway (pre-refund, pre-fees, pre-chargeback). Gateway-level, not bank-funded. | | **3DS Abandonment Rate** | Protect revenue | Watch only | Customers who saw the Cardinal 3DS challenge and bailed (expired session). UX friction, not issuer rejection. | | **Average Transaction** | Grow revenue | Merchant rule | SUM(settleAmount) / COUNT(settled). Mostly mix-shift, not basket growth - open the channel split first. | | **Avg Settlement Time (days)** | Run operations | Watch only | Average days from capture to acquirer-funded bank deposit. Acquirer-driven (T+1/T+2 cards, T+3/T+5 ACH), not gateway-driven. | | **Dispute Rate** | Protect revenue | Watch only | Transactions in active dispute (pending + recently resolved). The leading indicator that pairs with chargeback rate. | | **Oldest Pending Payout (days)** | Run operations | Alert band 2 / 5 | Days since the oldest unfunded capture. Anything past the 5-day acquirer window is stuck money - investigate. | | **Pending Payouts** | Run operations | Watch only | Captured-but-not-yet-acquirer-funded balance. The in-flight money: customer paid, acquirer hasn't disbursed yet. | | **Refund Rate** | Protect revenue | Alert band 3 / 8 | Refund value / settled revenue. Merchant-initiated returns view, separate from chargebacks. | | **Refund Volume** | Protect revenue | Merchant rule | Absolute dollars refunded (full + partial). Subtract from gross volume for a net-of-refunds figure. | | **Top Decline Reasons** | Protect revenue | Watch only | responseReasonCode breakdown (2 DO\_NOT\_HONOR, 65 exceeds limit, 27 AVS mismatch, 200 3DS failed…). First card to open on a spike. | | **Top Payment Methods** | Grow revenue | Watch only | Visa / MC / Amex / Discover / Diners / JCB / eCheck split by count and volume. Where interchange-optimisation gains hide. | | **Total Transactions** | Protect revenue | Alert band 0 / -15 | Count of settled authCapture / captureOnly transactions. Refunds, voids, declines and FDS-held excluded. | | **Volume Trend** | Run operations | Alert band 0 / -15 | Daily settled volume by settlement date. Shows batch-cut-off rhythm, B2B weekday pulse and EOM surges. | ## 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 | Report only | | **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 4 checks report findings on Authorize.net 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 **0 read** and **6 write** operations across report :authenticatetestrequests, report :getsettledbatchlistrequests, report :gettransactiondetailsrequests, report :gettransactionlistforbatchs, report :getunsettledtransactionlistrequests, xmlrequestapis on Authorize.net. 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=authorize-net) | Resource | Read operations | Write operations | | ------------------------------------------- | --------------- | ---------------- | | report :authenticatetestrequests | 0 | 1 | | report :getsettledbatchlistrequests | 0 | 1 | | report :gettransactiondetailsrequests | 0 | 1 | | report :gettransactionlistforbatchs | 0 | 1 | | report :getunsettledtransactionlistrequests | 0 | 1 | | xmlrequestapis | 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 Authorize.net 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.*