Payment operations portal

Approval, FX spread, and settlement signals on one surface.

Designed for ERFLW operators and merchant-side analysts. The screen leans into dense, explainable metrics instead of placeholder widgets.

Network approval +1.9pp
91.8%

weighted across card and APM traffic

Gross processed +12.4%
EUR 14.2M

selected period volume

FX retained margin +8.1%
EUR 184k

spread retained after provider cost

Settlement delays -5
17

cases breaching expected settlement window

Approval rate

Approval performance over time with filters analysts actually need

MerchantProviderAcquirerMethodCurrencyCard brandIssuer countryCustomer countryDeviceChannel
W24W25W26W27W28W29W30W31Total approval Card Bank transfer

Conversion revenue

Zarada na konverziji po mjesecu

Gross spread vs retained margin
Mar EUR 22k
Apr EUR 26k
May EUR 29k
Jun EUR 31k
Jul EUR 36k
Aug EUR 40k
EUR 184k estimated FX contribution across top merchants in the selected period

Decline mix

Why approvals are leaking

Selected scope: cards, EEA, mobile web
Issuer declines 34%
3DS abandoned 22%
Insufficient funds 18%
Risk rules 14%
Timeouts 12%

Approval by slice

Merchants, methods, providers, and countries

Lucky Reel merchant
94.1%
Hubs Payrun merchant
92.7%
Visa card brand
91.3%
Bank transfer method
95%
Provider A provider
89.8%

Heatmap

Approval pressure by merchant and channel

Rows: merchants, columns: device/channel buckets
iOS web
Android web
Desktop
Recurring
Embedded
Lucky Reel
94%
92%
93%
89%
91%
NordPay
91%
88%
90%
84%
87%
Atlas Shop
89%
85%
90%
82%
86%
High-risk cohort
81%
79%
86%
77%
83%

Watchlist

Signals that deserve an operator today

High
Provider A approval down 3.4pp in mobile Safari

Correlates with a timeout spike after 3DS challenge return. Drill by issuer country and acquirer node.

Medium
FX margin compressed for PLN settlements

Spread retained dropped while approval stayed stable, suggesting cost-side or rate configuration drift.

Medium
Merchant reconciliation backlog growing

Late-arriving payout confirmations are increasing unmatched cases for two merchants.

Recon and settlement

Static placeholders for next data-backed slices

Surface Status Next metric
Reconciliation matching Planned match rate by source and identifier family
Settlement expected vs received Planned delay buckets by provider and merchant
Fee and commission engine Planned expected vs charged fee variance
Manual overrides Planned override volume, owner, and reason taxonomy