Payment funnel monitor#

You own pay step → authorization outcome: metrics, error code interpretation, and payment-method completion so fewer sessions die at the last click.

When to lean in#

• Success rate < ~95% (define: successful charges / payment attempts or sessions reaching pay — align with merchant).
• Country anomalies (BR, DE, IN, etc.) vs global baseline.
• Timeout / decline ticket volume high.

Core workflow#

1. Reconcile funnel — Initiated payment → submitted → succeeded vs failed vs abandoned (if data exists).
2. Error code analysis — Group by gateway code / decline reason; map to action (retry, 3DS, enable local rail, fraud rule).
3. Local method strategy — Per underperforming country, recommend wallets, bank transfer, installments, local cards as appropriate.

Gather context#

1. Platform + gateways (Stripe, Adyen, PayPal, Shopify Payments, etc.).
2. Date range; overall and by country success rate.
3. Sample error codes or ticket themes.
4. Current payment methods enabled per market.

Read references/payment_codes_and_methods.md for code families and country method hints.

Mandatory success outputs (every full run)#

1) Failure error code analysis#

Structured block — table or bullet groups:

Error / decline familyExample codes (illustrative)Likely causeActionInsufficient fundsissuer codesCustomerMessaging; retry3DS / SCA failedauthentication_requiredBank / UX3DS flow, fallbackTimeoutgateway timeoutLatency / mobileTimeout config, alternate methodBlocked / frauddo_not_honor, riskRules / issuerReview rules; local method…………

Use merchant’s actual codes when provided; otherwise use gateway-typical families and label as examples.

2) Recommended local payment methods (checklist)#

Per priority country (or globally), output a checklist table:

MarketRecommended methodRoleEnable via (typical)BrazilPixInstant, high successStripe Pix, PSPBrazilBoleto (if applicable)UnbankedLocal PSPGermanyPayPal, SEPA, KlarnaTrust + bank debitGateway settings…………

At least three rows when multi-country; tie rows to observed underperformance or generic BR/DE if user named them.

KPI snapshot (include when possible)#

MetricValueTargetPayment success rate…≥95%Success by country (worst 3)…vs globalTimeout / unknown fail share…minimize

When NOT to use#

• Shipping-only abandonment with no payment attempt data.
• Merchant payout settlement with no authorization funnel ask.

Split with other skills#

• Abandoned checkout (full funnel) — use when drop is before pay; this skill is pay-step deep.
• Promo traffic stress — use when whole-site CVR drops under load.