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OverviewData mapAdditional SignalsConciergeAttemptsRecommendationsIntegration

Overview

Declines, rescues, and recovery for your store.

Last 7 daysLast 30 days
All test dataSynthetic demoStripe sandboxVisa Acceptance sandbox

Test data only. Visa Acceptance and Stripe sandbox results simulate gateway behavior. Synthetic distributions are illustrative.

Summary

Declines cost you $20,010 this period. Lasso confirmed $6,739 recovered and estimates $16,495 more is recoverable. Top decline driver: insufficient funds or limit.

Auto-generated
Lost to declines
$20,010512 declined payments on orders still unpaid
Confirmed recovered
$6,73987 orders paid after a decline
Recoverableest.
$16,495Still-unpaid orders whose latest decline is retryable
Decline rate
59.9%512 of 855 attempts declined
Retry fees avoidedest.
$0.707 retries blocked by policy
Who said no
Diagnosed declines by the party that caused them.
Declines by who declined them
SourceCountAmount (minor units)
Customer's bank3362615400
Data entry65438300
Your filter51426000
Processing35270400
Authentication25208800
Approval rate
First attempts vs. counting recovered orders as approved.
Approval rate comparison
MeasureRate
Approved on first try42.6%
Approved incl. recoveries57.1%

256 of 601 orders approved on the first try.

Declines by category
What the card networks will let you do about each group.

Visa cards

  • Visa category 2 — issuer cannot approve now178 · $13,970.00

    Next step: Retry later, within limits

  • Visa category 4 — generic decline96 · $8,123.00

    Next step: Unclear reason — offer alternatives

  • Visa category 3 — data quality issue35 · $2,409.00

    Next step: Fix the card details, then retry

Top decline reasons
Select a reason to browse the matching attempts.
ReasonCountAmountRetry allowedTop remedyAcceptance
Insufficient funds / limitINSUFFICIENT_FUNDS_OR_LIMIT231$17,678.00YesTry another payment method37%
Generic issuer declineGENERIC_ISSUER_DECLINE62$4,961.00Yes
Best time to follow up
When retries of each decline type have historically recovered.

Learned from your store's data (sample data)

  • Generic issuer decline· Credit cards

    Best follow-up: 1–6 hours · recovered 60% of retries (n=30)

    medium confidence

  • Temporary issue· Credit cards

    Best follow-up: Within 1 hour · recovered 59% of retries (n=30)

    medium confidence
Visa category 1 — issuer will never approve
19 · $1,456.00

Next step: Never retry — ask for another payment method

Other networks

  • Other networks — retry later158 · $11,527.00

    Next step: Retry later, within limits

  • Other networks — do not retry21 · $1,774.00

    Next step: Never retry — ask for another payment method

  • Other networks — update card data5 · $330.00

    Next step: Fix the card details, then retry

Recovery funnel
Distinct failed payments reaching each stage.
  1. Failed512(100% of failed)
  2. Rescue shown313(61% of failed)
  3. Rescue accepted125(24% of failed)
  4. Recovered106(21% of failed)
Try another payment method
44%
Blocked by your filterBLOCKED_BY_FILTER51$4,260.00YesVerify identity (3DS)76%
Hard decline (do not retry)HARD_DECLINE43$3,515.00NoGeneric safe message0%
Temporary issueTEMPORARY_ISSUE35$2,704.00YesRetry once now86%
Authentication requiredAUTH_REQUIRED25$2,088.00YesVerify identity (3DS)38%
Card number invalidCARD_NUMBER_INVALID23$1,759.00YesRe-check card number33%
Security code mismatchCVC_MISMATCH22$1,220.00YesRe-enter security code43%
Card expiredCARD_EXPIRED11$684.00YesUpdate expiry date40%
Billing ZIP mismatchPOSTAL_MISMATCH9$720.00YesRe-enter billing ZIP25%

  • Security code mismatch· Credit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Insufficient funds / limit· Debit cards

    Best follow-up: 1–3 days · recovered 91% of retries (n=36)

    medium confidence

  • Insufficient funds / limit· Credit cards

    Best follow-up: 1–6 hours · recovered 43% of retries (n=82)

    medium confidence

  • Hard decline (do not retry)· Debit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Authentication required· Debit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Insufficient funds / limit· Prepaid cards

    Best follow-up: 1–3 days · recovered 58% of retries (n=119)

    high confidence

  • Hard decline (do not retry)· Credit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Card number invalid· Credit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Blocked by your filter· Credit cards

    Best follow-up: Within 1 hour · recovered 93% of retries (n=36)

    medium confidence

  • Generic issuer decline· Debit cards

    Best follow-up: 1–6 hours · recovered 60% of retries (n=30)

    medium confidence

  • Authentication required· Credit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Card expired· Prepaid cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Blocked by your filter· Debit cards

    Best follow-up: Within 1 hour · recovered 86% of retries (n=20)

    medium confidence

  • Card number invalid· Prepaid cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Generic issuer decline· Prepaid cards

    Best follow-up: 1–6 hours · recovered 60% of retries (n=30)

    medium confidence

  • Temporary issue· Prepaid cards

    Best follow-up: Within 1 hour · recovered 59% of retries (n=30)

    medium confidence

  • Security code mismatch· Debit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Card expired· Credit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Billing ZIP mismatch· Debit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Billing ZIP mismatch· Prepaid cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Security code mismatch· Prepaid cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Billing ZIP mismatch· Credit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Card number invalid· Debit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Temporary issue· Debit cards

    Best follow-up: Within 1 hour · recovered 59% of retries (n=30)

    medium confidence

  • Hard decline (do not retry)· Prepaid cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Card expired· Debit cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence

  • Authentication required· Prepaid cards

    Best follow-up: Within 1 hour · recovered 67% of retries (n=259)

    high confidence