> ## 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. # Viva Payments on Vortex IQ > Monitor Viva Payments payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. Monitor Viva Payments 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) ยท [How connecting works](/integrations/connector-catalogue) | **25** | **4** | **Build your own** | **Ready to build yours** | **6** | | ------------------- | ---------------- | ------------------ | ------------------------ | -------------- | | performance signals | automated checks | automated fixes | workflows | API operations | ## Monitor performance 25 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 | | --------------------------------------- | ------------------- | ------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Decline Rate** | Protect revenue | Alert band 3 / 8 | Description pending editorial review; the signal is live. | | **Net Revenue (after refunds)** | Protect revenue | Alert band 0 / -5 | Description pending editorial review; the signal is live. | | **Oldest Pending Payout (days)** | Run operations | Alert band 7 / 21 | Description pending editorial review; the signal is live. | | **Refund Rate** | Protect revenue | Alert band 2 / 5 | Description pending editorial review; the signal is live. | | **Successful Transactions** | Run operations | Watch only | Description pending editorial review; the signal is live. | | **Total Revenue** | Grow revenue | Alert band 0 / -5 | Description pending editorial review; the signal is live. | | **3DS Abandonment Rate** | Protect revenue | Alert band 15 / 30 | 3DS Abandonment Rate from Viva Payments, grouped under Payments & Checkout Health. Computes when a live Viva Payments integration is connected; reconciles ecommerce again | | **Avg Settlement Time (days)** | Run operations | Alert band 2 / 5 | Avg Settlement Time (days) from Viva Payments, grouped under Settlement & Payouts. Computes when a live Viva Payments integration is connected; reconciles ecommerce again | | **Chargeback Rate** | Protect revenue | Alert band 0.5 / 1 | Chargeback Rate from Viva Payments, grouped under Disputes & Chargebacks. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva P | | **Dispute Rate** | Protect revenue | Alert band 1 / 2 | Dispute Rate from Viva Payments, grouped under Disputes & Chargebacks. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva Paym | | **Payment Methods** | Run operations | Watch only | Payment Methods, shown by share. | | **Refund Volume** | Protect revenue | Watch only | Refund Volume from Viva Payments, grouped under Disputes & Chargebacks. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva Pay | | **Revenue by Country** | Grow revenue | Watch only | Revenue by Country. | | **Success Rate** | Customer experience | Alert band 97 / 92 | Success Rate from Viva Payments, grouped under Payments & Checkout Health. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva | | **Top Decline Reasons** | Protect revenue | Watch only | Top Decline Reasons from Viva Payments, grouped under Payments & Checkout Health. Computes when a live Viva Payments integration is connected; reconciles ecommerce agains | | **Top Payment Methods** | Grow revenue | Watch only | Top Payment Methods from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva Paym | | **Total Transactions** | Grow revenue | Watch only | Total Transactions from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva Payme | | **Total Volume** | Grow revenue | Watch only | Total Volume from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva Payments da | | **Volume Trend** | Grow revenue | Alert band 0 / -15 | Volume Trend from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerce against Viva Payments da | | **Average Transaction** | Grow revenue | Watch only | Description pending editorial review; the signal is live. | | **Card vs Customer Country Mismatches** | Run operations | Merchant rule | Description pending editorial review; the signal is live. | | **Pending Payouts** | Run operations | Watch only | Description pending editorial review; the signal is live. | | **Refund Value** | Protect revenue | Watch only | Description pending editorial review; the signal is live. | | **Refunds Over Time** | Protect revenue | Watch only | Description pending editorial review; the signal is live. | | **Revenue Over Time** | Grow revenue | Alert band 0 / -5 | Description pending editorial review; the signal is live. | ## 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 | | **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 Viva Payments 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 **6 read** and **0 write** operations across checkouttransactions, acquiringorders, messagemes, payouts, transactionrefunds on Viva Payments. 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=viva-payments) | Resource | Read operations | Write operations | | -------------------- | --------------- | ---------------- | | checkouttransactions | 2 | 0 | | acquiringorders | 1 | 0 | | messagemes | 1 | 0 | | payouts | 1 | 0 | | transactionrefunds | 1 | 0 | Signed-in users see the full catalogue in the workflow builder, filtered to the sources they have connected. ### Ready to build your first Viva Payments 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.*