Insights Overview in Lighthouse Business Manager

Description: The Insights page helps businesses enhance payment processing efficiency and customer satisfaction.

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Overview

The Insights section provides valuable insights into your transactions, helps you understand your business payment processes, and allows you to improve overall transaction success rates.
The top bar shows the major business-centric metrics, which allow you to track and identify your business's overall performance.
 
Among those points of interest are:

Risk approvals: For merchants integrated with our risk and fraud prevention tools, this presents the transaction amount; the count is the rates that were approved by risk. 
Card Verify: Presents the transaction amount, count, and success rates of card verification processes, such as AVS (Address Verification System) and CVV (Card Verification Value). 
Auth Approval: Presents the transaction amount, count, and authorization approval rates as received from the acquirers. 
Chargebacks: Presents the chargebacks amount, count, and rates out of settled transactions. 
Refunds: Presents the refunds amount, count, and rates out of settled transactions.

How Auth Approval Rate Is Calculated

Approval rate = approvals ÷ (approvals + declines)

The authorization approval rate is calculated in two ways, depending on the filter selection:

• Per card token: Counts distinct card tokens involved in approved or declined transactions.
• Per unique customer: Counts distinct customers with approved or declined transactions.

Alongside the rate, we also display approval counts and approval dollar amounts.

Exception Handling

For some international declines, certain acquirers or processors may omit the decline amount (for example, this can occur with some transactions originating in Canada).
When decline amounts are missing, the system defaults the decline dollar value to 0, ensuring decline totals remain accurate and do not disappear from summaries.

Important: Approval rates are always calculated using counts, not amounts, so the fallback value does not affect the rate itself.

Filters

Period: Once the date range is chosen in the filter, all data shown on the page is exclusive to that period selected. 
Transactions: Data can be shown by counting unique transactions by card or by customer.

Subsection: Auth Insights

This section offers a detailed view of the authorization data, with flexible, time-based insights into authorization rates and decline reasons.

Here, you can view authorization totals split into approved and declined categories, Card Brand Breakdowns to help you understand how different payment methods are performing, and top Decline Reasons, which provide you with valuable information to address potential issues.

Coming soon! Chargebacks Insights subsection