> ## 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.

# Adyen audit profile, Vortex IQ

> What the Vortex IQ Adyen health audit checks: Adyen: Authorisation, Risk, Settlement & Payments-to-Revenue

**[Nerve Centre KPIs](/nerve-centre/kpi-cards/adyen) · [Audit Profile](/nerve-centre/kpi-cards/adyen/audit) · [Sentiment Settings](/nerve-centre/kpi-cards/adyen/sentiment)**

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)