> ## 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. # Worldpay on Vortex IQ > Monitor Worldpay payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. Monitor Worldpay 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) | **19** | **5** | **Build your own** | **Ready to build yours** | **8** | | ------------------- | ---------------- | ------------------ | ------------------------ | -------------- | | performance signals | automated checks | automated fixes | workflows | API operations | ## Monitor performance 19 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 | | ----------------------------------------- | ------------------- | -------------------- | -------------------------------------------------------------------------------------------------------------------------- | | **Chargeback Rate** | Protect revenue | Alert band 0.5 / 0.9 | Chargebacks as a share of transactions. Crossing 1% risks scheme monitoring programmes. | | **Decline Rate** | Protect revenue | Alert band 5 / 8 | Share of attempts refused. Inverse of success rate; drives recoverable-revenue analysis. | | **Decline Spike vs Checkout Funnel Drop** | Protect revenue | Merchant rule | When Worldpay declines spike, do we see commerce checkout completion drop? If yes, declines are causing real revenue loss. | | **Recoverable Revenue (decline-driven)** | Protect revenue | Merchant rule | Total value leaked through soft declines that retry / dunning could recover next month. | | **Success Rate** | Customer experience | Alert band 95 / 90 | Share of authorisation attempts that succeed. The single number for checkout payment health. | | **Total Volume** | Grow revenue | Alert band 0 / -15 | Total processed value across all outcomes. The headline revenue-through-gateway number. | | **3DS Abandonment Rate** | Protect revenue | Alert band 15 / 30 | Customers who hit the 3DS challenge and bail. High abandon = checkout friction. | | **Avg Settlement Time (days)** | Grow revenue | Alert band 2 / 5 | Average days from transaction to funds paid out. Higher = slower cash conversion. | | **Dispute Rate** | Protect revenue | Alert band 0.5 / 1 | All raised disputes (retrievals + chargebacks) as a share of transactions. | | **Oldest Pending Payout (days)** | Protect revenue | Alert band 2 / 5 | Age of the oldest payout still pending. Cash-flow risk indicator. | | **Pending Payouts** | Run operations | Merchant rule | Total value of settled funds not yet paid out to the merchant bank. | | **Refund Rate** | Protect revenue | Alert band 3 / 8 | Refund value as a share of processed volume. Sustained rise signals product or fulfilment issues. | | **Refunds vs Commerce Returns** | Protect revenue | Merchant rule | Do Worldpay refunds track commerce returns? Divergence flags reconciliation gaps or off-platform refunds. | | **Top Decline Reasons** | Protect revenue | Merchant rule | Reason-coded declines (insufficient funds, do-not-honour, expired card) - each has a different fix. | | **Top Payment Methods** | Run operations | Merchant rule | Mix of card brands and wallets (Visa / Mastercard / Amex / Apple Pay / PayPal). | | **Volume Trend** | Grow revenue | Alert band 0 / -15 | Processed-value trend over the window - spot growth, seasonality, and dips. | | **Average Transaction** | Run operations | Merchant rule | Description pending editorial review; the signal is live. | | **Refund Volume** | Protect revenue | Watch only | Description pending editorial review; the signal is live. | | **Total Transactions** | Run operations | Merchant rule | 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 | | **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 Worldpay 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 **5 read** and **3 write** operations across payment querys, disputes, disputedefends, payment refunds, payment reports, payouts on Worldpay. 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=worldpay) | Resource | Read operations | Write operations | | --------------- | --------------- | ---------------- | | payment querys | 1 | 1 | | disputes | 1 | 0 | | disputedefends | 0 | 1 | | payment refunds | 0 | 1 | | payment reports | 1 | 0 | | payouts | 1 | 0 | | refunds | 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 Worldpay 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.*