> ## 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.

# Afterpay audit profile, Vortex IQ

> What the Vortex IQ Afterpay health audit checks: Afterpay: BNPL Approval, Settlement, Refund/Dispute & Payments-to-Revenue

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

Afterpay state matters when it's tied to captured BNPL revenue, settlement cash flow, and refund/dispute exposure. This audit answers four questions: (1) is the API credential + region/environment config healthy, (2) is Pay-in-4 approval holding and what's driving declines / 3DS friction, (3) are refunds, chargebacks and settlement timing under control, and (4) does Afterpay volume reconcile to the commerce sibling's order revenue (and do refund spikes track commerce returns).

## What this audit checks

### Authentication & configuration

* Basic credential valid (auth on GET /v2/configuration) - Merchant ID + Secret Key accepted
* Region host correct (global api.us.afterpay.com / anz api.afterpay.com) and environment matches (sandbox vs production)
* BNPL minimum/maximum order limits returned by /v2/configuration cover the merchant's basket range

### Approval & checkout health

* Success (approval + capture) rate below 90%
* Decline rate above 8% (and which decline reasons dominate)
* 3DS challenge abandonment above 30% (added friction / lost conversion)
* Approval-rate drop during a campaign push (paying for traffic Afterpay won't approve)

### Refunds, disputes & settlement

* Refund rate above 8% of captured volume, or a refund spike > 50% vs 7-day baseline
* Chargeback rate above 1% (Visa/Mastercard programme threshold)
* Dispute response overdue (respondBy passed with status OPEN / UNDER\_REVIEW)
* Oldest pending payout aging above 5 days vs the typical 1-3 day schedule (cash-flow risk)

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

* Afterpay captured volume vs commerce-sibling Afterpay-paid order revenue mismatch > 2% (reconciliation gap; sibling = shopify / bigcommerce / adobe\_commerce)
* Afterpay refund spike correlated with a commerce-sibling returns / cancellation spike (product / fulfilment issue, not a payments glitch)
* Declined-Afterpay shoppers re-attempting on a card gateway sibling (recoverable basket signal)
* Afterpay AOV-lift erosion vs commerce-sibling card AOV (BNPL value proposition weakening)

## Severity thresholds

| Signal                     | Warn | Critical |
| -------------------------- | ---- | -------- |
| `success_rate_pct`         | 95   | 90       |
| `decline_rate_pct`         | 5    | 8        |
| `threedsecure_abandon_pct` | 15   | 30       |
| `refund_rate_pct`          | 3    | 8        |
| `chargeback_rate_pct`      | 0.5  | 0.9      |
| `dispute_rate_pct`         | 0.5  | 1        |
| `payout_age_days`          | 2    | 5        |
| `reconciliation_gap_pct`   | 1    | 2        |

## Data sources

* `GET https://api.us.afterpay.com/v2/configuration` - Auth probe + BNPL config / order limits
* `GET https://api.us.afterpay.com/v2/payments` - Volume / approval / decline / 3DS / payment-method mix
* `GET https://api.us.afterpay.com/v2/payments/{id}/refund` - Refund value + reasons per payment (refund rate / volume)
* `GET https://api.us.afterpay.com/v2/settlements` - Payout status + age (pending payouts, settlement timing)
* `GET https://api.us.afterpay.com/v2/disputes` - Chargeback / dispute inventory + response deadlines