Gross MTD6%
$509K
340 txns workspace
Net MTD5%
$478K
after fees & refunds
Open disputes48
$296K
E[loss] $111K
Eff. fee rate0.12pp
2.6%
leak pool $26K
Auth success22 failed
91.5%
all statuses
Reconciled37 open
69%
bank match
Acceptance, auth-rate optimization
per-transaction optimization · A/B framed from the weekly trend
Current auth rate
91.5%
Optimized projection
95.7%
+4.2pp band · ≈ $21K recovered volume MTD
Priced off MTD gross $509K — recovered auths flow straight to gross, fees unchanged.
The three levers it models
+1.6ppSmart retry timingretry soft declines at issuer-ledger hours, not on a fixed 24h clock
+1.8ppNetwork route selectionsend each auth to the rail with the best per-issuer approval odds
+0.8ppAuth-flow exemptionapply the low-risk exemption where rules allow, skip the step-up
Control · avg 90.6%Test · avg 95.0%
W1
W3
W5
W7
W9
W11
Gross volume vs net
Northline · weekly
GrossNet
W2 Large enterprise capture · HarborW4 Wallet fee rate step-upW6 DSP-4410 opened · $12.4KW9 Auto-refund threshold → $75
Status mix
340 transactions
100
Succeeded
7
Pending
4
Refunded
10
Failed
19
Disputed
Largest charges
by amount
| Customer | Amount | St |
|---|---|---|
| Pixel Studio | $29K | Succeeded |
| Orbit Media Labs 59 | $29K | Disputed |
| Harbor Retail Group | $28K | Succeeded |
| Beacon Medical | $27K | Succeeded |
| Union LLC | $27K | Succeeded |
| Ironclad Security 47 | $26K | Succeeded |
| Pixel Studio 44 | $25K | Succeeded |
Top transactions
amount
| Txn | Customer | Status | Amount | Fee | Date |
|---|---|---|---|---|---|
| txn_8f0125 | Pixel Studio | Succeeded | $29K | $909 | 06-04 |
| txn_8f00a6 | Orbit Media Labs 59 | Disputed | $29K | $469 | 06-18 |
| txn_8f2a12 | Harbor Retail Group | Succeeded | $28K | $767 | 08-03 |
| txn_8f009a | Beacon Medical | Succeeded | $27K | $1.1K | 06-17 |
| txn_8f0119 | Union LLC | Succeeded | $27K | $243 | 05-04 |
| txn_8f0145 | Ironclad Security 47 | Succeeded | $26K | $897 | 05-18 |
| txn_8f0120 | Pixel Studio 44 | Succeeded | $25K | $790 | 07-04 |
| txn_8f0154 | Harbor Retail Group 49 | Pending | $24K | $460 | 08-25 |
Auth health
22 failed · 48 open disputes
92
success
Gross MTD$509K
Net MTD$478K
Eff fee2.6%
E[dispute loss]$111K
Root-caused alerts
symptom → cause → fix
Do this next
scored from disputes + fees + reconcile + fails
#196
Submit evidence on top disputes
12 open · $32K E[loss]
$32K
#288
Cut wallet fee leakage
$5.5K leak · route fix
$5.5K
#382
Match unmatched bank lines
37 lines · $1152K
$1.15M
#474
Auto-refund micro disputes
0 under threshold · save ops time