What it is, and why it matters.
Most payment dashboards show you numbers. Fewer explain them. Payment analytics should tell you that approval rates fell for a specific card type on a specific route, suggest a likely cause, and point to the next step — because a percentage without a reason is not actionable.
Vertlo turns transaction, settlement, dispute, and subscription data into revenue intelligence: cohort analysis by MID, geography, issuer, and payment method, with decline reasons categorised so soft and hard declines are treated differently.
From reporting to intelligence
Decline analysis that names names
See which issuers, geographies, and routes drive declines — and whether they are recoverable soft declines.
Cohort comparison
Compare approval and revenue across MIDs, methods, countries, and billing models side by side.
Recommended next steps
Insights pair what changed with a likely cause and a concrete, reversible action.
Finance-grade export
Scheduled reports and reconciliation exports in CSV, PDF, and API.
Inside analytics
Configured with your acquiring, routing, and reporting during onboarding — and supported by a team that knows the account.
Book a call→Approval & decline trends
Time-series performance with drill-down by every dimension that matters.
Decline reason breakdown
Soft vs hard declines, issuer patterns, and geographic clustering.
Processor & MID comparison
Performance per route so decisions are evidence-based.
Subscription recovery view
Retry and recovery performance for recurring revenue businesses.
Scheduled reporting
Saved and scheduled reports delivered on your cadence.
What teams use analytics for
Recovering lost approvals
Spot a declining cohort early and reroute or adjust retries before the revenue impact compounds.
Route decisions
Compare acquirer and MID performance to decide where to send which volume.
Board and investor reporting
Turn processing performance into clean, defensible numbers for finance and stakeholders.
Payment analytics FAQs
Answers to the questions merchants ask most about this part of the platform.
What can I measure with Vertlo analytics?
Approval and decline rates, average order value, refund and chargeback rates, processor and MID performance, geographic and issuer patterns, payment-method conversion, and subscription recovery — all filterable by brand, currency, and period.
How is this different from my processor's dashboard?
Rather than raw counts, Vertlo categorises declines, compares cohorts, and pairs each insight with a likely cause and a recommended next step you can act on.
Can I export the data?
Yes — CSV and PDF exports, scheduled email reports, and API access for your own warehouse or BI tools.
Does it cover subscriptions?
Yes. Renewal success, failed-payment recovery, and retry performance are first-class views for recurring-revenue businesses.