What is Cybersource Analytics?

Businesses face an ever-present pressure to streamline the payment experience, making it frictionless and easy. But how do you stay ahead of the curve and adapt to meet the needs of your consumers?

The answer lies in data. Addressing the demands of shifting markets with confidence requires timely and actionable insights into your business. From transaction volume to accurate account information, our analytics reveal ways to turn your transaction data into business intelligence. Access data points, including consumer spending trends, channel and geographical reports and declines by reason code. 

Learn how Cybersource Analytics can benefit your business

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Historical analytics provide deep payment intelligence insights

Our end-to-end platform allows you to assess your payment data—all in one place. Analysing historical data can help you detect patterns over time. Examining payment transaction data from the previous six months provides an accurate picture of authentications, authorisations, captures and settlements.

Drill down using multiple dimensions such as counts, amounts, currency, amount in local currency, amount in single currency, channel and issuer BIN (bank identification number).

Drive transformation through data-driven decision making

More and more merchants are seeing payments as a strategic element that directly impacts the customer experience and their revenues. It’s important to have a holistic view of end-to-end payment activities to guide your payments strategy. A set of relevant KPIs will help protect and generate revenue while minimising costs. Cybersource teamed up with Edgar Dunn to conduct a study on the strategic aspects of fraud and payment optimisation and the KPIs that matter most.

A series of dashboards provide insight into:

Payer authentication optimisation

Authentication enables cardholders to verify and validate themselves at the time of purchase. The payer authentication dashboard provides insight into your authentication rates. View additional details including successes, attempts and authentication rates by date, and more.

Authorisation optimisation

Authorisations authenticate credit and debit cards and confirm an account’s ability to fund a transaction. This dashboard provides a summary of authorisations for successes and declines and changes to authorisation rates.

Deep decline analysis

Declines happen when a financial institution has refused a transaction request. The data in this dashboard helps you determine the summary of total declines by counts and amounts for specific decline codes by processor, currency and other factors.

Issuer BIN analysis

The data in this dashboard helps you to determine the summary of total successes and declines by card type, a view of changes in successes and declines by card type over time, BIN (bank identification number) comparison of successes and declines, the ability to further filter by dimension, and more.

Country analysis

Determine the countries in which you experience the most declined transactions. The data in this dashboard helps you to determine the total decline count and amount by card country and country comparisons of success and decline rates—with the ability to further filter the data.

Order conversion analysis

This dashboard helps you to determine the total number of order successes and declines, retry attempts, the details for each transaction and the final order success based on retries.

Captures analysis

Capture is the process by which payments are secured once the payment has been authorised. The capture dashboard displays total captures, including sales and refunds. Drill down to see your captures by country, currency, processor and payment type, or by individual transactions.

Settlement analysis

Settlement refers to the specific amount of funds transferred from a bank to a seller for the acceptance of a card transaction. This view provides a summary of all settlements and chargebacks. Dig deeper by filtering by country, date, currency, processor and payment type, and at the individual transaction level.

Actionable, timely insights

Real-time analytics and alerts provide practical insights into the here and now. This dynamic analysis of current payment data against historical patterns helps to identify potential opportunities. Custom, event-triggered alerts can help to ensure you are aware of potential problems as they arise. By addressing anomalies early, you’ll be able to make informed decisions that could help to improve authorisations.

Benefits for your business

  • Maximise revenue: Comparative analysis helps to fine-tune payment authentications, authorisations and captures and settlement settings.
  • Improve rates: Impact your authorisation, chargeback and issuer rates by closely monitoring your payment trends to help you to make sound data-informed decisions.
  • Increase authorisations: Uncover regional and country, payment type, decline code, BIN and retry strategies by leveraging detailed views of your payment system.

Key capabilities

  • Real-time data: Mission-critical payments data is made available from the moment of purchase to your screen in almost real-time.
  • Historical analytics: Multiple data points and views of transactional data from the previous six months.
  • Insight dashboards: Informative dashboards display data via a user-friendly interface.
  • Custom alerts: Configure your own event-triggered alerts to help to ensure you are aware of potential issues as they arise.
  • Cross-sectional data: Multi-dimensional data provides insights from many time slices and data points.

Resources

Interested? Let’s talk.