Topic
How payment declines work, why reasons differ across PSPs, and how to tell bank declines from data problems and technical errors.
2 articles
Acceptance and operations
Approval rate is approved payments divided by approved plus declined. Pending payments and technical errors stay out of it. Here is the formula, a worked example, and the mistakes that make the number lie.
Acceptance and operations
Decline reasons come back in a different format from every PSP. Here is why that hurts your numbers, and how to separate real declines from everything else.