Pagos

You may have seen our post last week about spotting carding attacks in your declines data, but did you know there are multiple ways to identify and stop a carding attack early using Pagos? Or that establishing an efficient process for fending off carding attacks gets you a huge step closer to payments optimization? 💪🥇🌟 Learn all about it in our latest blog: https://lnkd.in/gkb9ayhx #payments #paymentsoptimization #paymentsdata

We pulled some benchmarking stats for digital subscription businesses and something caught our eye: among a cohort of Pagos enterprise merchants, we see a growing gap in insufficient funds (NSF) decline rates between debit and credit cards for recurring payments in Q2 2025 compared to Q1. Specifically, debit cards saw a steeper rise in NSF declines, while credit card decline rates stayed relatively flat. On average, the gap between debit and credit grew by 27% quarter-over-quarter. So what does this mean for you? When designing or assessing your retry strategy, you might want to treat credit and debit cards a little differently. If NSF declines on debit cards are accelerating faster than that of credit cards, a one-size-fits-all retry approach might be leaving money on the table. This could be an opportunity to experiment with retry timing or messaging for debit vs. credit. Good thing is, you can use Pagos to discover these opportunities and track the impact of any experimental changes in real time! #payments #data #insight Note: This data only includes deduplicated, recurring transactions made in USD and processed with credit or debit cards issued by US banks.

Another PaymentsEd Forum in the books! This year, we brought together clients, partners, and prospects for two incredible events—it's always energizing to connect with the payments community. Thanks to all who attended! Our very own Mina Deegan also led a great session with David Newell from LastPass all about how to approach testing and experimentation in payments. Keep an eye out for a recap with takeaways and tips for getting started on your own. See you at the next one!

Visa is shaking up how they monitor risk and it's easy to feel overwhelmed by the changes. With the new Visa Acquirer Monitoring Program (VAMP), all chargebacks and early fraud warnings are now included in Visa's chargeback rate calculations and the thresholds for what's acceptable have changed. We just updated Pagos Insights to help you stay ahead. Our Chargebacks Metrics dashboard now calculates your Visa chargeback rate using VAMP’s formula, so you can track your exposure before Visa or your processor flags you. Learn more in our latest blog: https://lnkd.in/gtztZwfB Let’s navigate this shift together!

Monitoring and catching carding attacks before they cause irreparable damage requires a multi-prong approach. Last month, we blogged about how a sudden spike in attempted transactions for a single BIN can be a 🚩 red flag. But there's another clue hiding in plain sight: your decline codes. In the early stages of an attack, fraudsters test cards to see what works. Issuers respond fast and hard to this kind of probing, often with a wave of Refer_to_Issuer declines. They're not always labeled as fraud yet—that comes later. In this example, our customer noticed three specific codes in their decline spike: Refer_to_Issuer, CVV_Failure, and Account_Closed. As an attack progresses (or if the issuer catches on quickly), you might start seeing codes like Fraud_Lost_Card, Pick_Up_Card, and Suspected_fraud. Nearly every merchant ingesting data into Pagos has experienced a version of this scenario in the last year, so it's important to stay vigilant. But before you get too stressed, know this: you don't need to memorize all these signals! You just need ⚒️ tools that surface them fast. In Pagos Insights, our Declines dashboard gives you a clear view of your decline mix, so you can spot unusual spikes right away. And if your decline rate shoots up suddenly, Pagos Alerts can even notify you in the app, via email, or even in a Slack channel of your choosing! Contact us today to get started. #payments #paymentsdata #paymentsoptimization

💸 Failed payments are inevitable. Lost revenue doesn’t have to be. In our latest blog post, we walk through how to build a retry strategy that maximizes recovery while minimizing cost and risk. We cover everything from tagging retries with metadata to calculating ROI by payment segment: https://lnkd.in/guyYnR2J   If this topic is on your radar, don’t miss the replay of Mirte Kraaijkamp’s recent webinar for PaymentsEd . She dives deep into how to track, analyze, and optimize your retries using your own data. Lots of great insight on what really drives long-term retention. 🎥 Watch the webinar replay here: https://lnkd.in/gmes8nRB

We're less than a week away from the PaymentsEd Annual Forum in Anaheim. For those attending, keep an eye out for the Pagos team and don't miss Mina Deegan's session with David Newell on improving your payments strategy through experimentation! See you in California! #PaymentsEd2025

Chargebacks of all statuses send your business signals about what is and isn't working. With our latest update to Pagos Insights, you can now analyze 👏 all chargeback and dispute statuses 👏 , including those that don’t count toward your chargeback rate. Spot early signs of customer friction, track team workload, and foster customer trust with a fuller picture of your dispute landscape. Ready to see what you’ve been missing? https://lnkd.in/gknWvMCJ

Your retry strategy may be costing you in a surprising way… Retries, like so many things in payments, are a balancing act: every additional retry attempt is a trade off between the value of potential revenue/customer recovery and the related fees and penalties incurred. While recovery probability decreases significantly after only a few retries, the cost may be worth it if your AOV and profit margins are high enough that a few successful recoveries can cover the costs of all the failed attempts. Turns out… it's actually not that simple. For one of our enterprise, subscription-based merchants, we discovered up to 30% of orders recovered late in the retry process were eventually *refunded*. That meant a chunk of their "recovered" revenue was actually just a temporary illusion. It's easy to miss trends like this when different departments within your business manage profits, costs, and customer experiences separately. To see the full picture, you need harmonized data and tools that let you ask holistic business questions. That's what Pagos is for. With our comprehensive and unbiased payments visualization platform, you can optimize payments to benefit your entire organization. Enrich and analyze your payments data—by retry attempt, customer type, or order_ID—and make retry decisions that serve your whole business! Ready to uncover the whole story and hidden costs in your retry strategy??

More and more Pagos customers are tapping into their payments data using our AI-powered payments data maverick, Pagos Copilot. Just last week, a customer asked Copilot to help them estimate how much they could boost their transaction volume by adding a new, localized payment method in a specific market. That's a smart move: offering the payment methods popular among your loyal base can delight customers and drive more conversions. Copilot broke the problem down and took care of the heavy lifting: 1️⃣ It gathered the customer's historical transaction data in that country to set a baseline growth rate. 2️⃣ It collaborated with the customer to model new payment method adoption growing from 5% to 15% over three months. 3️⃣ It summarized the projected lift in monthly transactions and created a clean visual they could report back to leadership. 📈 The result? A clear, data-backed case for rolling out the new payment method! This is what we mean when we say your data holds the insights you need to optimize payments. Pagos Copilot is your partner in the quest to identify and take advantage of those insights. Want help projecting the impact of your next payment idea? Contact us today to get started!