> ## 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.

# PayPal audit profile, Vortex IQ

> What the Vortex IQ PayPal health audit checks: PayPal: keep money landing, Seller Protection coverage high, disputes winnable

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

PayPal-specific health audit. Answers four questions: (1) is the success rate / decline mix healthy and are soft declines being recovered with alternate funding sources; (2) is Seller Protection coverage rate high (eligible vs partially-eligible vs ineligible) so we're not exposed when disputes hit; (3) are disputes responding inside PayPal's 10-day window, with the right evidence pack for Buyer-Protection rules; (4) is the dispute reason mix shifting (INR spike = ops/fulfilment problem, SNAD spike = product/listing problem, UNAUTHORISED spike = fraud wave). Cross-channel area joins INR disputes to commerce-sibling shipment-delay data and decline spikes to checkout funnel drops.

## What this audit checks

### Authentication & access

* OAuth bearer token refresh succeeds and TTL is healthy
* Client ID points to live (not sandbox) for production integrations
* Required scopes granted: reporting/search/read, disputes, payments/payment, subscriptions
* Webhook ID present and signature validation enabled

### Transaction health

* Success rate above 92% baseline
* Decline event-code mix - no single soft-decline reason > 25% of declines
* Retry success rate > 25% (alternate funding source uptake)
* On-hold / pending rate (PayPal status T+P) below 3%

### Seller Protection & fraud controls

* Seller Protection eligible coverage rate ≥ 80% on eligible transaction categories
* Partially-eligible share \< 15%
* Ineligible-transaction volume not surging > 2σ from baseline
* Unauthorised dispute rate \< 0.5%
* Denied-by-risk velocity not surging > 50% vsP (rule tightening or attack)

### Disputes & chargebacks

* Dispute rate below 0.9% on a 90-day window
* Avg seller response time \< 5 days (PayPal default response window is 10)
* Buyer-Protection win rate at or above 35% industry baseline
* Dispute reason mix surfaced - INR / SNAD / UNAUTHORISED routed to right team
* Lifecycle-stage mix - ARBITRATION share \< 5% (late escalation = lost cases)

### Settlement & payouts

* Avg settlement time within PayPal's expected schedule for the merchant's country
* No payout pending > 5 days
* Payout batch success rate ≥ 99%
* Pending balance not climbing - rolling reserve ratio in expected range

### Subscription & recurring health

* Recurring charge failure rate below 12%
* Subscription churn rate \< 5%
* Dunning recovery rate ≥ 25%

### Cross-channel: revenue protection

* Decline-driven checkout-funnel drop (sibling = shopify/bigcommerce/adobe.checkout\_step\_completion\_rate falling concurrent with paypal.decline\_rate spike)
* INR-to-fulfilment correlation (sibling = shipbob/commerce.shipment\_delayed\_orders converting to MERCHANDISE\_OR\_SERVICE\_NOT\_RECEIVED disputes joined by invoice\_id/custom\_field)
* Recoverable revenue forecast (soft-decline value × sibling.avg\_repurchase\_rate × alternate-funding success rate)
* Chargeback forecast (open INQUIRY count × historical INQUIRY→CHARGEBACK rate × avg dispute amount)

## Severity thresholds

| Signal                            | Warn | Critical |
| --------------------------------- | ---- | -------- |
| `decline_rate`                    | 6    | 8        |
| `success_rate`                    | 92   | -        |
| `dispute_rate`                    | 0.9  | 1.0      |
| `payout_age_days`                 | 3    | 5        |
| `seller_protection_coverage_rate` | 80   | -        |
| `partial_eligibility_share`       | 15   | 25       |
| `unauthorised_dispute_rate`       | 0.3  | 0.5      |
| `arbitration_stage_share`         | 3    | 5        |
| `recurring_failure_rate`          | 8    | 12       |
| `on_hold_pending_rate`            | 2    | 3        |

## Data sources

* `GET https://api-m.paypal.com/v1/identity/oauth2/userinfo` - Auto-detect merchant\_id, identity, account capability
* `GET https://api-m.paypal.com/v1/reporting/transactions` - Transaction history (max 31-day window per call), decline reasons, protection\_eligibility
* `GET https://api-m.paypal.com/v1/reporting/balances` - Live + pending balance per currency
* `GET https://api-m.paypal.com/v1/customer/disputes` - Dispute list with reason + status + life\_cycle\_stage + seller\_response\_due\_date
* `GET https://api-m.paypal.com/v1/customer/disputes/{dispute_id}` - Single dispute detail incl. outcome, evidence, history
* `GET https://api-m.paypal.com/v1/payments/payouts` - Mass-payout batches
* `GET https://api-m.paypal.com/v1/billing/subscriptions` - Active / past\_due / cancelled subscriptions for churn + failure rate