> ## 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.

# Viva Payments audit profile, Vortex IQ

> What the Vortex IQ Viva Payments health audit checks: Viva Payments: keep authorisations landing, disputes bounded, payouts on time

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

Viva-Payments-specific health audit. Answers five questions: (1) are the three credential families wired (Smart Checkout core, Transactions API, Data Services) and is the connection pointed at the right mode (live vs demo); (2) is the authorisation success rate healthy and is the decline mix driven by recoverable soft refusals rather than hard issuer blocks; (3) are chargebacks and disputes inside scheme tolerance and answered before the evidence window closes; (4) are settlements and payouts arriving on the expected schedule with no source-code backlog; (5) cross-channel area joins Viva decline and dispute signals to commerce-sibling checkout funnel and fulfilment status to size live revenue at risk. Viva is multi-acquirer and card-present plus card-not-present, so card-vs-customer country mismatch and 3DS abandonment are first-class fraud signals.

## What this audit checks

### Authentication & access

* Data Services client (data\_client\_id / data\_client\_secret) present; without it preview and audit cards hydrate empty
* Smart Checkout client\_credentials token issues against accounts.vivapayments.com with scope urn:viva:payments:core:api:redirectcheckout
* Transactions API Basic-auth pair (merchant\_id / api\_key) valid for recurring charge retrieve and cancel
* Mode (live vs demo) matches the merchant's production source\_code; live connection must not point at demo-api.vivapayments.com
* source\_code resolves to an active store and appears on returned transactions

### Transaction health

* Authorisation success rate above 92% baseline over the 30-day window
* Decline reason mix - no single soft refusal reason above 25% of declines
* Card-not-present share separated from card-present so a CNP success dip is not masked by terminal volume
* 3DS abandonment rate below 25%, otherwise review the challenge flow and frictionless routing
* Top declining issuers (BIN-level) and top decline reasons surfaced for a recovery playbook

### Disputes & chargebacks

* Chargeback rate below 0.9% (90% of the Visa 1% cap) on a 90-day window
* Dispute rate below 2% and trending flat or down
* Open disputes answered before the acquirer evidence deadline
* Top dispute reason codes (fraudulent / product\_not\_received) flagged for prevention
* Card-vs-customer country mismatch rate not surging as a leading fraud indicator

### Settlement & payouts

* Avg settlement time within Viva's expected schedule for the merchant's country
* No payout pending beyond 5 days per source\_code
* Payout amounts reconcile against captured-minus-refunded transaction value
* No source\_code with a settlement backlog while sibling source codes settle normally
* Currency of payout matches the transaction currency mix for that source\_code

### Cross-channel revenue protection

* Decline-driven checkout-funnel drop (sibling = shopify/bigcommerce/adobe.checkout\_step\_completion\_rate falling concurrent with viva.decline\_rate spike)
* Dispute-to-fulfilment correlation (sibling = shipbob/commerce.shipment\_delayed\_orders converting to product\_not\_received disputes)
* Recoverable revenue forecast (soft-decline value x sibling.avg\_repurchase\_rate x historical retry success rate)
* Chargeback forecast (dispute count x historical dispute-to-chargeback rate x avg dispute amount)

## Severity thresholds

| Signal                  | Warn | Critical |
| ----------------------- | ---- | -------- |
| `decline_rate`          | 6    | 8        |
| `success_rate`          | 92   | -        |
| `dispute_rate`          | 1    | 2        |
| `chargeback_rate`       | 0.9  | 1.0      |
| `payout_age_days`       | 3    | 5        |
| `threeds_abandon_rate`  | 25   | 40       |
| `country_mismatch_rate` | 5    | 10       |

## Data sources

* `POST https://accounts.vivapayments.com/connect/token` - OAuth2 client\_credentials token for core + Data Services clients (Basic-authed token request)
* `POST https://api.vivapayments.com/dataservices/v2/transactions/Search` - Transaction search that hydrates cards + audit findings (status, decline reason, 3DS, card/customer country, BIN)
* `GET https://api.vivapayments.com/checkout/v2/transactions/{transactionId}` - Single transaction detail: amount, currency, status, payment method
* `GET https://api.vivapayments.com/checkout/v2/orders/{orderCode}` - Order / payment order state for checkout funnel correlation
* `GET https://api.vivapayments.com/api/transactions/{transactionId}/refunds` - Refunds and reversals against a transaction
* `GET https://api.vivapayments.com/payouts/v1/{sourceCode}` - Settlement / payout schedule, status and age per source\_code
* `GET https://api.vivapayments.com/api/messages/me` - Credential / connection liveness probe for the core client