Payment analytics

Every attempt, approved or declined.

One record per card payment attempt: where it comes from, what it holds, and why it never feeds a refund decision.

The attempt list

Every attempt, newest first: masked card, amount, outcome, decline reason and later fraud warnings or disputes. It follows the same filters as the reports.

  • Approved, declined, pending
  • Decline reason and code
  • Later warnings flagged
Payments, Transactions: every card payment attempt with its masked card, amount, approved or declined status and decline reason.
Illustrative example, not real data

Where the attempts come from

From your payment provider’s events as they happen (Stripe today), plus 13 months of history at go-live. Your own system can report attempts through the contract’s optional call.

  • Provider events, live
  • 13 months at go-live
  • Your system, optionally

Payment connections

S

Stripe · EU store

EUR · acct_1Q…

Live
S

Stripe · US store

USD · acct_1P…

Live
{ }

Your payment system

REST · TRY

Live
+

More payment providers

On the roadmap

Illustrative example, not real data

What an attempt holds

Amount and currency, outcome and code, card brand, last four, country and type, plus issuer, BIN and risk score when sent. Never a full card number, expiry or security code.

  • Amount with its currency
  • Brand, last four, country
  • No full card data
Authorization rate94.2%
Decline rate3.1%
Fraud warnings0.08%
AlertDeclines up for Visa cards in Türkiye
Illustrative example, not real data

Analytics only, never a decision

The policy engine never reads attempts. A decline pattern never changes what a customer is told.

  • Not read by the policy
  • For owners, admins, analysts
  • Separate from decisions

The AI assistant

  • Understands what the customer is asking for
  • Clarifies which payment and why
  • Proposes a refund or cancellation
  • Never contacts a payment provider
  • Never decides who is eligible
Separation

The Chargeless platform

  • Applies your published policy and limits
  • Reads the refundable amount from the ledger
  • Records every action before executing it
  • Sends each action with one key, so a retry never starts a new one
  • Stores the policy version and the data behind each decision
Illustrative example, not real data

Start with low limits. Raise them when the record shows it works.

Start in test mode, run your policy against your own history, and go live when the results meet your standards.

  1. 1A test workspace on your provider’s test mode
  2. 2Your past requests replayed against your policy
  3. 3Live with low limits, raised as the record allows