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FinTech & Payments Analytics

From transaction data to
financial intelligence

Connect your payments database and instantly surface the metrics that matter — success rates, fraud signals, revenue by product, and chargeback trends — all in plain English.

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Analytics built for payments scale

Transaction Volume

Track TPM, daily processed volume, and peak load periods. Understand your payment rail at scale.

Fraud Detection

Monitor fraud rates, chargeback ratios, and suspicious transaction patterns before they become losses.

Success Rate Analysis

Drill into declined transactions by reason code, card network, and merchant category.

Revenue by Product

Break interchange and fee revenue down by product line, merchant vertical, and payment method.

Geographic Intelligence

See transaction volume, approval rates, and fraud signals by country and region.

Compliance Metrics

Track SLA compliance, latency p99, and dispute resolution times for audit readiness.

Chargeback Management

Track chargeback rates by merchant, BIN, and reason code. Stay well within network thresholds.

Settlement Timelines

Monitor T+1 and T+2 settlement windows, exception queues, and aged items pending resolution.

Merchant Analytics

Compare approval rates, chargeback ratios, and volume trends across your merchant portfolio.

Sample FinTech Dashboard

Real-time payment intelligence — built without a single line of SQL.

PayFlow Inc. — Payments Dashboard● Live

April 2025 — Transaction Intelligence

✓ PCI DSS Compliant$8.2B processed

Total Volume (MTD)

$8.21B

+31.2% vs last month

Success Rate

99.24%

+0.08pp vs last month

Fraud Rate

0.078%

−0.01pp vs last month

MRR (Fees)

$2.44M

+18.6% vs last month

Hourly Transaction Volume (Today)

12am4am8am12pm4pm8pmNow

Revenue by Product Line

Card Payments
$1.42M
Bank Transfer
$0.61M
Buy Now Pay Later
$0.28M
Crypto Rail
$0.09M
Other
$0.04M

Decline Reasons (This Month)

Insufficient Funds
38%
Card Expired
22%
CVV Mismatch
17%
3DS Auth Fail
13%
Suspected Fraud
10%

Key Operational Metrics

Avg Latency (p50)142ms
Avg Latency (p99)381ms
Chargeback Rate0.42%
Refund Rate1.8%
API Uptime (30d)99.99%

Recent High-Value Transactions

Txn IDMerchantAmountMethodStatusCountryTime
txn_9x2akGlobalMart EU$48,200WireSettledDE14:22
txn_7bq9pTechPro Inc.$24,850CardSettledUS14:19
txn_3mj8rLuxe Retail$18,400BNPLPendingGB14:15
txn_kd12sShopFast AU$12,100CardSettledAU14:08
txn_rq47tNovaPay$9,880CryptoProcessingSG14:03

Payment Authorization Waterfall — Gross Attempts → Net Settled (April 2025)

Every drop-off represents lost revenue · Soft declines are recoverable · Hard declines require issuer or merchant action

100%
Gross Attempts
4.2%
Soft Decline
2.1%
Hard Decline
0.8%
CVV Fail
0.6%
3DS Auth
0.1%
Timeout
92.2%
Authorised
91.6%
Settled

4.2% soft declines

Implement smart retry with 24hr delay

2.1% unrecoverable

Analyse BIN-level patterns with issuers

92.2% → above avg

Focus on reducing soft decline rate

Fraud Velocity — Statistical Process Control (Last 7 Days)

Fraud TPS with ±3σ control bands · Points outside bands = anomalies requiring immediate investigation

UCL +3σMean!!MonTueWedThuFriSatSun
2 anomalies detected (Thu 02:14, Fri 23:58)
Auto-blocked 847 txns during spike

Merchant Portfolio — Growth vs Risk Quadrant

Bubble size = volume · Top-right = invest · Bottom-left = exit

High Risk / Low GrowthStars ⭐Exit candidatesScale upGMTPLRSFNMORMT→ Volume Growth Rate→ Chargeback Risk

Interchange Rate Optimization Opportunity — Current vs Achievable

By optimising routing and MCC codes, estimated $480K in annual interchange savings is available

Card Type / NetworkCurrent RateOptimal RateΔ bpsMonthly ImpactAction Required
Visa Credit (Rewards)1.80%1.51%−29 bps+$18,400/moAdd Level 2 data
Mastercard Debit0.95%0.80%−15 bps+$9,200/moPIN debit routing
Amex OptBlue2.50%2.10%−40 bps+$8,800/moVolume tier unlock
Visa Business2.70%2.20%−50 bps+$3,600/moLevel 3 line items
Interac (CA)0.22%0.18%−4 bps+$400/moAlready optimised
Total annual optimisation opportunity+$480,000 / yr

Payments data that pays for itself.

Connect your payments stack and surface the insights that drive revenue and reduce risk.

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FAQ

Frequently asked questions

Everything you need to know about fintech and payments analytics with GetInsights.

Can GetInsights track transaction volume, GMV, and payment failure rates in real time?+

Yes. Connect your payments or transaction database and GetInsights surfaces TPV, GMV, authorization rates, decline rates, chargeback ratios, and settlement performance — updated in real time. Ask any question in plain English and get an instant answer.

Does GetInsights support financial reporting and compliance dashboards?+

Yes. GetInsights can power dashboards for compliance and risk teams — including reconciliation reports, transaction audits, and KYC/AML monitoring metrics. All data stays in your infrastructure; GetInsights queries it read-only.

How does GetInsights handle sensitive financial data?+

GetInsights uses read-only database connections — we never write to or store your raw transaction data. All connections are encrypted in transit and at rest using TLS. You remain in full control of your data and can revoke access at any time.

Can I monitor fraud patterns and detect payment anomalies?+

Yes. GetInsights can surface fraud-related signals from your data — unusual transaction volumes, high-velocity patterns, chargeback spikes by merchant or geography — and alert when metrics cross defined thresholds.

What fintech databases and data stacks does GetInsights support?+

GetInsights connects to PostgreSQL, MySQL, BigQuery, Snowflake, Redshift, ClickHouse, and other major databases. Whether your payments data lives in a cloud warehouse or an operational database, setup takes under 60 seconds.

Can I create separate dashboards for risk, growth, and finance teams?+

Yes. GetInsights supports multiple dashboards with role-based sharing. Your risk team monitors fraud signals, your growth team tracks activation and LTV, and your finance team pulls revenue and reconciliation reports — all from the same connected database.