Solutions/Payment Optimization

Payment Optimization

Reduce payment costs, recover lost revenue, and improve cash-flow predictability.

Payment decisions become difficult when each provider presents only part of the information.

Without a complete view, businesses may pay more than necessary, lose revenue through failed payments, and make cash-flow plans using incomplete settlement data.

What you can improve

See the business results you can improve and the decisions that can help you achieve them.

Business Outcome

What you need to understand

Decision you can make

Reduce payment costs

Where can I reduce the cost of accepting payments?

Compare the true cost of each provider, payment method, channel, and transaction type.

Route more transactions through lower-cost options.
Renegotiate fees using your own performance data.

Recover lost revenue

How much revenue am I losing from failed or incomplete payments?

Identify where transactions fail, are declined, or are abandoned, and measure the financial impact.

Improve checkout and retry processes.
Address recurring failures with the responsible provider.

Improve cash-flow predictability

When will completed sales become available cash?

Understand actual settlement timing across providers, channels, and payment methods.

Plan payroll and supplier payments more accurately.
Address providers with delayed settlements.

Reduce refunds and chargebacks

Where are refunds and chargebacks reducing profitability?

Identify the products, channels, customer groups, and transaction patterns associated with disputes.

Adjust policies, investigate recurring issues, and reduce losses where they are most concentrated.

Improve payment-method strategy

Which payment methods support profitable customer growth?

Compare conversion, repeat purchases, transaction costs, and risk across payment methods.

Promote the methods that deliver the best results.
Remove options that add cost without sufficient value.

Examples of decisions

Turn payment issues into clear decisions

Pulse Analysis

Late-Night Payment Failures Concentrate on One Provider

Generated Jul 14, 2026 at 9:12 AM

Executive Summary

Failed payments concentrate on one provider after 22:00 and are rarely retried — roughly $59k in unpaid orders last quarter.

Signal 1: Failed-Payment Cluster After 22:00

Severity: Critical Risk

Key Metrics

Failed order value: ~$59k last quarter
Peak failure window: 22:00–00:00
Provider concentration: 84% on PayServe
Retry rate on failed orders: under 5%

Findings

Failures spike sharply after 22:00 on a single provider while others stay flat, and almost none are retried — pointing to a fixable gateway or retry issue, not lost demand.

Report

TypePulse Analysis

Signals2

GeneratedJul 14, 2026

Datasetpayments-settlement-2025.csv

In this report

84% of post-22:00 failures route through PayServe

Fewer than 5% of failed orders are retried

PulseCritical

Failed payments increase on one provider during late-night transactions.

"Failed payments concentrate on one provider after 22:00 and are rarely retried: approximately $59k in unpaid orders last quarter."

The decision: Route late-night transactions through the better-performing provider and introduce automatic retries.

Data Card

Summary

Generated Code

View code

Visualization

Effective fee rate by payment method

Export: PNG SVG

Analysis

Summary

E-wallet orders under $10 carry an effective fee rate of 6.8% — over 3× your card rate — because fixed per-transaction fees dominate small tickets.

Key Findings

A $10 minimum on e-wallet orders could cut blended fees by ~18%.
Card and bank transfer stay under 2% regardless of order size.

Download Markdown

ChatWarning

Small e-wallet transactions carry the highest processing cost.

"E-wallet orders below $10 carry your highest effective fee rate. A minimum order value could reduce fees by 18%."

The decision: Set a minimum transaction value, adjust pricing, or move these payments to a lower-cost method.

Who this is for

Built for businesses accepting payments from more than one channel or provider.

Retail & F&B chains

Online stores

Hotels

Subscription services

Multi-provider businesses

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