59
performance signals
5
automated checks
Build your own
automated fixes
Ready to build yours
workflows
7
API operations
- Overview
- Monitor (59)
- Audit (5)
- Automate
What you can achieve
Capabilities are grouped around merchant outcomes, not API terminology.Protect revenue
Find failures, leaks and risks before they cost sales.
Control risk and change
Keep tracking, access and change under governed control.
Run operations
Monitor orders, fulfilment, delivery and settlement.
Grow revenue
Improve discovery, conversion, campaigns and repeat purchase.
Customer experience
Find storefront, speed, accessibility and journey problems.
From connection to verified outcome
The controlled sequence every capability follows. Nothing changes a connected system without the approval step.1
Connect
Authorise the source. Scopes are shown before access is granted.
2
Monitor
Watch the signals against your own baselines, not universal defaults.
3
Detect
Run checks and gather evidence specific to your store.
4
Recommend
Explain what happened, why it matters and the proposed action.
5
Approve
You review scope, risk and reversibility before anything changes.
6
Execute
Apply through governed connector operations.
7
Verify
Confirm the intended result and keep the receipt.
Monitor performance
59 performance signals. Open an outcome to see its signals and how each one alerts. Read-only operations do not modify the connected system.Protect revenue (33 signals)
Protect revenue (33 signals)
| Signal | Alert behaviour | What it tracks |
|---|---|---|
| 3DS Challenge Abandon Rate | Alert band 15 / 25 | When customers see the 3DS challenge and bail. High abandon = friction; consider smart routing. |
| 3DS Friction Revenue Loss | Merchant rule | Description pending editorial review; the signal is live. |
| 3DS Frictionless Volume | Watch only | Description pending editorial review; the signal is live. |
| 3DS Success Rate | Merchant rule | Description pending editorial review; the signal is live. |
| 3DS-Authenticated Transactions | Watch only | Description pending editorial review; the signal is live. |
| Avg Dispute Response Time | Merchant rule | Description pending editorial review; the signal is live. |
| Card Brand Performance | Watch only | Visa / MC / Amex / Discover × auth-rate / decline-rate / dispute-rate matrix. |
| Chargeback Rate | Alert band 0.5 / 0.9 | Description pending editorial review; the signal is live. |
| Chargeback Reason Codes | Merchant rule | Reason 4853 (fraud), 4855 (goods/services not received), 4863 (cardholder doesn’t recognise) , each has different prevention. |
| Chargeback Value (30d) | Merchant rule | Description pending editorial review; the signal is live. |
| Decision Manager Score Mix | Merchant rule | Description pending editorial review; the signal is live. |
| Decline Rate | Alert band 3 / 8 | Description pending editorial review; the signal is live. |
| Decline Rate Spike Alert | Merchant rule | Alerts for Decline Rate Spike Alert. |
| Decline Rate by Card-Country | Alert band 3 / 8 | Description pending editorial review; the signal is live. |
| Decline Spike vs Checkout Funnel Drop | Merchant rule | When CS declines spike, do we see commerce checkout completion drop? If yes, declines are causing real revenue loss , not just buyer remorse. |
| Declined Transactions | Alert band 3 / 8 | Description pending editorial review; the signal is live. |
| Dispute Rate | Alert band 0.5 / 1 | Description pending editorial review; the signal is live. |
| Dispute Threshold Watch | Merchant rule | Description pending editorial review; the signal is live. |
| Dispute Win Rate | Merchant rule | Industry baseline ~35-40%. Below that means evidence packs are weak or response too slow. |
| Disputes vs Returns Correlation | Merchant rule | Description pending editorial review; the signal is live. |
| Fraud Velocity Alert | Merchant rule | Alerts for Fraud Velocity Alert. |
| Net Revenue (after refunds + fees) | Alert band 0 / -5 | Description pending editorial review; the signal is live. |
| Open Chargebacks | Merchant rule | Description pending editorial review; the signal is live. |
| Payment Health Score | Merchant rule | Composite , auth-rate × inverse decline × inverse dispute × settlement-on-time. The CFO single-number. |
| Recoverable Declines (soft) | Merchant rule | Soft-decline value (do_not_honor, insufficient_funds, expired) , recoverable via retry / dunning. |
| Recoverable Revenue (decline-driven) | Merchant rule | Total $ leaked through soft declines that retry / dunning could recover next month. |
| Refund Count | Alert band 10 / 50 | Description pending editorial review; the signal is live. |
| Refund Rate | Alert band 2 / 5 | Description pending editorial review; the signal is live. |
| Refund Value | Merchant rule | Description pending editorial review; the signal is live. |
| Refund Velocity Trend | Merchant rule | Description pending editorial review; the signal is live. |
| Revenue at Risk (live) | Merchant rule | Live decline-driven revenue loss while the spike is active. |
| Top Decline Reasons | Merchant rule | Reason-coded declines (insufficient_funds, do_not_honor, fraud_suspected, expired_card) , each has a different fix. |
| Top Declining Issuers | Merchant rule | Issuer-bank decline rates (‘Capital One declines 18% of yours’). Leads to recoverable revenue via dunning / token retry. |
Run operations (14 signals)
Run operations (14 signals)
| Signal | Alert behaviour | What it tracks |
|---|---|---|
| 3DS Failure Alert | Merchant rule | Alerts for 3DS Failure Alert. |
| Avg Settlement Time (days) | Alert band 7 / 21 | Description pending editorial review; the signal is live. |
| Card vs Billing Country Mismatch | Merchant rule | Description pending editorial review; the signal is live. |
| Corporate vs Consumer Cards | Watch only | Corporate vs Consumer Cards, shown by share. |
| Cross-Border Transaction Share | Watch only | Description pending editorial review; the signal is live. |
| Dunning Recovery Rate | Merchant rule | Description pending editorial review; the signal is live. |
| Oldest Pending Payout (days) | Alert band 7 / 21 | Description pending editorial review; the signal is live. |
| Pending Settlement | Watch only | Description pending editorial review; the signal is live. |
| Prepaid Card Share | Merchant rule | Description pending editorial review; the signal is live. |
| Recurring Charge Failure Rate | Merchant rule | Description pending editorial review; the signal is live. |
| Recurring Charge Volume | Watch only | Recurring Charge Volume over time. |
| Settlement Batch Success Rate | Merchant rule | Description pending editorial review; the signal is live. |
| Settlement Stuck | Merchant rule | Alerts for Settlement Stuck. |
| Total Transaction Value | Alert band 0 / -5 | Description pending editorial review; the signal is live. |
Grow revenue (6 signals)
Grow revenue (6 signals)
| Signal | Alert behaviour | What it tracks |
|---|---|---|
| Average Transaction Value | Watch only | Description pending editorial review; the signal is live. |
| High-Value Transactions | Merchant rule | High-Value Transactions, broken down by row. |
| Revenue Over Time | Alert band 0 / -5 | Description pending editorial review; the signal is live. |
| Revenue by Country | Watch only | Description pending editorial review; the signal is live. |
| Revenue by Currency | Watch only | Revenue by Currency. |
| Sales Volume Anomalies | Merchant rule | Sales Volume Anomalies over time. |
Customer experience (4 signals)
Customer experience (4 signals)
| Signal | Alert behaviour | What it tracks |
|---|---|---|
| AVS Match Rate | Merchant rule | Description pending editorial review; the signal is live. |
| Successful Transactions | Watch only | Description pending editorial review; the signal is live. |
| Total Transactions | Watch only | Description pending editorial review; the signal is live. |
| Under-Review Rate | Merchant rule | Description pending editorial review; the signal is live. |
Control risk and change (2 signals)
Control risk and change (2 signals)
| Signal | Alert behaviour | What it tracks |
|---|---|---|
| Authorisation Success Rate | Alert band 97 / 92 | Description pending editorial review; the signal is live. |
| Stored-Token Health | 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. Open a check for the detail.Dispute rate above 1% (Visa/Mastercard threshold)
Dispute rate above 1% (Visa/Mastercard threshold)
Severity critical · Outcome Protect revenue · Fix status Candidate remediation1% 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 to accept those card networks at all, on top of losing the disputed sales themselves.A likely corrective operation exists, but its mapping and recovery are not yet complete, so execution is not offered. Evidence and recommended manual steps are provided.Reference:
PAYMENT-DISPUTE-001Decline rate above 8%
Decline rate above 8%
Severity high · Outcome Protect revenue · Fix status Report onlyMore 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 funnel, after every earlier marketing and conversion cost has already been paid.Vortex IQ detects and explains this; resolution is manual, with evidence and recommended steps.Reference:
PAYMENT-DECLINE-001Refund rate spiked > 50% vs 7-day average
Refund rate spiked > 50% vs 7-day average
Severity high · Outcome Protect revenue · Fix status Report onlyRefunds 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 pattern that is harder to trace back to its origin.Vortex IQ detects and explains this; resolution is manual, with evidence and recommended steps.Reference:
PAYMENT-REFUND-0013DS challenge friction , > 30% of qualifying transactions abandoned
3DS challenge friction , > 30% of qualifying transactions abandoned
Severity medium · Outcome Protect revenue · Fix status Candidate remediationMore 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 details, so this is revenue lost at the very last step, to friction rather than to lack of interest.A likely corrective operation exists, but its mapping and recovery are not yet complete, so execution is not offered. Evidence and recommended manual steps are provided.Reference:
PAYMENT-3DS-001Payout overdue > 5 days vs typical schedule
Payout overdue > 5 days vs typical schedule
Severity medium · Outcome Grow revenue · Fix status Candidate remediationA 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 regardless of how sales themselves are performing.A likely corrective operation exists, but its mapping and recovery are not yet complete, so execution is not offered. Evidence and recommended manual steps are provided.Reference:
PAYMENT-PAYOUT-001Build your own automated fixes
Turn any finding into an automated fix with a Vortex IQ workflow: over 13,000 read and write operations across more than 200 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 1 write operations across report ingchargebacks, report ingconversiondetails, report ingpaymentbatchsummarys, report ingreports, riskdecisions, tsssearches on CyberSource. Combine them with anything from the over 13,000 operations across more than 200 connectors to automate the work in your own words.Changes follow your configured approval policy: the target, proposed change, affected records, risk, reversibility and verification plan are shown before execution.Create a workflowReady to build your first CyberSource 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.Browse the operations you can build with
Browse the operations you can build with
| Resource | Read operations | Write operations |
|---|---|---|
| report ingchargebacks | 1 | 0 |
| report ingconversiondetails | 1 | 0 |
| report ingpaymentbatchsummarys | 1 | 0 |
| report ingreports | 1 | 0 |
| riskdecisions | 1 | 0 |
| tsssearches | 0 | 1 |
| tsstransactions | 1 | 0 |