# Analytics

> Track acceptance rates, authentication performance, and payment optimization signals.

VINR Analytics surfaces payments-specific metrics beyond transaction history — acceptance rates, authentication data, and actionable optimization signals that help you understand where revenue is lost and how to recover it.

## Acceptance rate

Your acceptance rate is `authorized payments / (authorized + declined)`, expressed as a percentage. Track it over time and segment by card network, issuer country, payment method, and amount band. A sudden drop is the first signal of an issuer rule change or an integration regression — investigate before it compounds.

## Authentication analytics

SCA compliance requires 3D Secure for many EU transactions, but not every payment needs a full challenge. Track your **challenge rate** versus **frictionless rate** in the Authentication section of the Dashboard. A rising challenge rate adds friction and reduces conversion.

Monitor SCA exemption approval rates to see which exemption types your issuers are accepting. Compare conversion before and after enabling specific exemptions — low-value and low-risk exemptions typically produce the largest frictionless uplift.

## Decline breakdown

| Decline type    | What it means                                             | Dashboard view                  |
| --------------- | --------------------------------------------------------- | ------------------------------- |
| Issuer declined | Bank or card network refused the authorization            | Decline code distribution chart |
| Radar blocked   | VINR fraud rules stopped it before it reached the network | Radar → Review queue            |
| Invalid request | API or integration error on your side                     | Error logs                      |

Use the 30-day and 90-day trend views to distinguish issuer-side spikes from fraud pattern changes. An issuer spike will typically be concentrated on one `decline_code`; a fraud shift will spread across multiple codes with a rising Radar block rate. See [Declines](/docs/payments/payment-operations/declines) for recovery strategies.

## Dispute rate

Your dispute rate is disputes as a percentage of transaction volume, tracked on a rolling 90-day basis. Card networks monitor this independently and impose fees or fines if you exceed their thresholds — typically **0.9%** for Visa and **1%** for Mastercard. The Dashboard shows your current rate alongside each network's threshold so you can act before approaching those limits. See [Disputes](/docs/payments/disputes) for prevention and response.

## Payment method adoption

When you offer multiple payment methods, Analytics shows which methods customers actually choose. Use this to decide whether to promote or enable additional options. If 40% of your EU customers skip the card form and choose a bank redirect, iDEAL or VINR Pay may lift conversion meaningfully for that segment.

## Optimization recommendations

VINR surfaces actionable suggestions automatically in **Dashboard → Payments → Optimization**:

- Enable network tokenization to improve issuer trust scores and lift authorization rates
- Upgrade 3DS exemption types to reduce your challenge rate
- Add a payment method that is popular in your customers' region

Recommendations are ranked by estimated revenue impact based on your recent transaction mix.