Skip to main content
Nerve Centre KPIs · Audit Profile · Sentiment Settings Adyen state matters when it’s tied to captured revenue and friction. This audit answers: (1) is the API credential + webhook config healthy, (2) is authorisation holding and what’s driving refusals, (3) are chargebacks / fraud / settlement under control, and (4) does payment friction map to lost revenue and support load via the commerce + support siblings.

​
What this audit checks

​
Authentication & configuration

  • API key valid (auth on /v3/merchants) and live/test env matches
  • Webhooks configured + reachable (else no event-driven updates)
  • Active payment methods cover the merchant’s key markets

​
Authorisation & checkout health

  • Authorisation rate below 92%
  • Refusal rate above 8% (and which reasons dominate)
  • A payment method authorising below 85% (method-specific breakage)
  • 3DS challenge rate above 40% (added friction / abandonment risk)
  • Capture rate below 98% (uncaptured authorisations expiring)

​
Risk, disputes & settlement

  • Chargeback rate above 1% (Visa/Mastercard programme threshold)
  • Fraud rate above 0.5%
  • Settlement age above 5 days (cash-flow risk)
  • Refund rate above 5% of volume

​
Cross-channel: payments-to-revenue (the killer area)

  • Refused-payment shoppers opening support conversations (sibling intercom) - friction driving support load
  • Adyen captured volume vs commerce-sibling order revenue mismatch > 2% (reconciliation gap)
  • Refund spike correlated with a commerce returns spike
  • Auth-rate drop during a campaign push (paying for traffic that can’t pay)

​
Data sources

  • GET https://management-live.adyen.com/v3/merchants - Auth + merchant/store inventory
  • GET https://management-live.adyen.com/v3/merchants/{merchantId}/paymentMethodSettings - Active payment methods
  • GET https://management-live.adyen.com/v3/merchants/{merchantId}/webhooks - Webhook configuration / delivery health
  • GET report:settlement_detail - Volume / auth / refusal / refund / settlement (async report)