Supporting Identification of Missed Opportunities and Consideration of Improvements

Approval rate visualization options

PG Multi-Payment Service On the management screen, merchants can check the "authorization approval rate" and "3D Secure authentication status/exit status" of Optional Services Credit card payment themselves.
payment Visualize error occurrences, trends by issuer (card issuer), time of day, and payment range, 3D Secure Exit status during the authentication process, making it easier for merchants to consider improvement measures and verify effectiveness themselves.

*This service is an option for shops and sites contract Credit card payment.

What is the approval rate visualization option?

You can check the authorization approval status and 3D Secure authentication status of your card payment on the management screen.

authorization Approval rate refers to the percentage of issues approved by issuers for authorization (credit inquiries). In recent years, it has become increasingly important not just as a KPI for payment operations but also as a management indicator to simultaneously achieve sales maximization and improved customer experience.

Furthermore, the authentication status of EMV 3-D Secure (3D Secure 2.0) is a major factor that greatly affects the success rate of the final payment. Accurately identifying and addressing statuses such as authentication success, failure, or user abandonment during the identity verification process is essential to minimize missed opportunities.

With the approval rate visualization option, you can check authorization approval rates and 3D Secure authentication status, which were previously difficult to check, on the management screen. This makes it easier for merchants to proceed from situation awareness to cause analysis and consideration of improvement measures themselves.

Approval rate and 3D Secure Dashboard image to check authentication status

*The images are for illustrative purposes only. The numbers are just dummies.

Benefits of the approval rate visualization option

It becomes easier to grasp the payment situation from perspectives that were previously unchecked.

In addition to monthly and daily trends, you can check authorization approval rates from multiple perspectives, including time of day, payment price range, issue, 3D Secure implementation, and error code.
You can check 3D Secure usage, authentication results, churn status, and challenge authentication rates.
Before and after introducing fraud detection tools, reviewing 3D Secure operations, and improving guidance for payment failures, you can check changes in authorization approval rates and authentication results.
If there is a bias in approval or error rates for a specific issuer, this can be used as material when checking the issue or consulting for improvements.

Main Offered Features

authorization Approval Rate
- monthly
- daily
- Time zone
- payment Price Range
- Yeshua
- 3D Secure Implementation
- Aggregation by Error Code
3D Secure Certification Status
- 3D Secure Usage
- 3D Secure Certification Results
- Exit status at each process
- Challenge certification rates by daily, time, payment by price range and issuer

Expected Use Cases

CASE 01 Abnormalities in Monthly Trends

If the authorization approval rate suddenly drops by a few points from the previous month starting from a given month, you can check the authorization approval rate and number of cases by payment range and time of day. By understanding the background of changes such as increased payment in high-value ranges, you can connect this to improvement measures such as expanding guidance operations when payment fails and directing people to other payment.

CASE 02 Excessive Challenge Certification

If the challenge certification rate is higher than the general level, you can check by issuer to see if the challenge occurrence rate for specific issues is significantly above average. 3D Secure This can be used for reviewing operations or consulting on improvements to issues.

CASE 03 Abnormal Values in Specific Issues

If an issuer's error rate is significantly higher than the average of other companies, you can check the breakdown of error codes and identify that specific response codes are concentrated. This can be used as material when checking the situation with the issuer or consulting for improvement.

CASE 04 Quantitative Evaluation of Implementation Effects

After introducing fraud detection tools or reviewing operations, you can compare authorization approval rates with or without 3D Secure implementation, and check transaction breakdowns by authentication results. By monitoring the impact on CVR, you can quantitatively evaluate the balance between fraud deterrence effects and opportunity losses, and determine the optimal points for rules.

Fees and Conditions

Monthly fixed fee (Excluding tax / per shop)	10,000 yen
Initial Implementation Costs (Excluding tax / per shop)	0 Yen
Eligibility contract	Shops and sites contract Credit card payment *Except for some contract formats. For details, please contact us.