CyberSource on Vortex IQ

Monitor CyberSource payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow.

Monitor CyberSource payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow.

Connect or manage this source · How connecting works · Create a workflow

59

performance signals

5

automated checks

0

prepared fixes

0

proven workflows

7

API operations

Overview

What you can achieve

Capabilities are grouped around merchant outcomes, not API terminology.

Protect revenue

Find failures, leaks and risks before they cost sales.

Control risk and change

Keep tracking, access and change under governed control.

Run operations

Monitor orders, fulfilment, delivery and settlement.

Grow revenue

Improve discovery, conversion, campaigns and repeat purchase.

Customer experience

Find storefront, speed, accessibility and journey problems.

From connection to verified outcome

The controlled sequence every capability follows. Nothing changes a connected system without the approval step.

1. Connect

   Authorise the source. Scopes are shown before access is granted.

2. Monitor

   Watch the signals against your own baselines, not universal defaults.

3. Detect

   Run checks and gather evidence specific to your store.

4. Recommend

   Explain what happened, why it matters and the proposed action.

5. Approve

   You review scope, risk and reversibility before anything changes.

6. Execute

   Apply through governed connector operations.

7. Verify

   Confirm the intended result and keep the receipt.

No changes are made without the configured approval policy. Read-only operations do not modify the connected system; schedules, access scopes, API usage and data handling remain governed by Vortex IQ controls.

Monitor (59)

Monitor performance

59 performance signals. Open an outcome to see its signals and how each one alerts. Read-only operations do not modify the connected system.

Protect revenue (33 signals)

Signal	Alert behaviour	What it tracks
3DS Challenge Abandon Rate	Alert band 15 / 25	When customers see the 3DS challenge and bail. High abandon = friction; consider smart routing.
3DS Friction Revenue Loss	Merchant rule	Description pending editorial review; the signal is live.
3DS Frictionless Volume	Watch only	Description pending editorial review; the signal is live.
3DS Success Rate	Merchant rule	Description pending editorial review; the signal is live.
3DS-Authenticated Transactions	Watch only	Description pending editorial review; the signal is live.
Avg Dispute Response Time	Merchant rule	Description pending editorial review; the signal is live.
Card Brand Performance	Watch only	Visa / MC / Amex / Discover × auth-rate / decline-rate / dispute-rate matrix.
Chargeback Rate	Alert band 0.5 / 0.9	Description pending editorial review; the signal is live.
Chargeback Reason Codes	Merchant rule	Reason 4853 (fraud), 4855 (goods/services not received), 4863 (cardholder doesn’t recognise) , each has different prevention.
Chargeback Value (30d)	Merchant rule	Description pending editorial review; the signal is live.
Decision Manager Score Mix	Merchant rule	Description pending editorial review; the signal is live.
Decline Rate	Alert band 3 / 8	Description pending editorial review; the signal is live.
Decline Rate Spike Alert	Merchant rule	Alerts for Decline Rate Spike Alert.
Decline Rate by Card-Country	Alert band 3 / 8	Description pending editorial review; the signal is live.
Decline Spike vs Checkout Funnel Drop	Merchant rule	When CS declines spike, do we see commerce checkout completion drop? If yes, declines are causing real revenue loss , not just buyer remorse.
Declined Transactions	Alert band 3 / 8	Description pending editorial review; the signal is live.
Dispute Rate	Alert band 0.5 / 1	Description pending editorial review; the signal is live.
Dispute Threshold Watch	Merchant rule	Description pending editorial review; the signal is live.
Dispute Win Rate	Merchant rule	Industry baseline ~35-40%. Below that means evidence packs are weak or response too slow.
Disputes vs Returns Correlation	Merchant rule	Description pending editorial review; the signal is live.
Fraud Velocity Alert	Merchant rule	Alerts for Fraud Velocity Alert.
Net Revenue (after refunds + fees)	Alert band 0 / -5	Description pending editorial review; the signal is live.
Open Chargebacks	Merchant rule	Description pending editorial review; the signal is live.
Payment Health Score	Merchant rule	Composite , auth-rate × inverse decline × inverse dispute × settlement-on-time. The CFO single-number.
Recoverable Declines (soft)	Merchant rule	Soft-decline value (do_not_honor, insufficient_funds, expired) , recoverable via retry / dunning.
Recoverable Revenue (decline-driven)	Merchant rule	Total $ leaked through soft declines that retry / dunning could recover next month.
Refund Count	Alert band 10 / 50	Description pending editorial review; the signal is live.
Refund Rate	Alert band 2 / 5	Description pending editorial review; the signal is live.
Refund Value	Merchant rule	Description pending editorial review; the signal is live.
Refund Velocity Trend	Merchant rule	Description pending editorial review; the signal is live.
Revenue at Risk (live)	Merchant rule	Live decline-driven revenue loss while the spike is active.
Top Decline Reasons	Merchant rule	Reason-coded declines (insufficient_funds, do_not_honor, fraud_suspected, expired_card) , each has a different fix.
Top Declining Issuers	Merchant rule	Issuer-bank decline rates (‘Capital One declines 18% of yours’). Leads to recoverable revenue via dunning / token retry.

Run operations (14 signals)

Signal	Alert behaviour	What it tracks
3DS Failure Alert	Merchant rule	Alerts for 3DS Failure Alert.
Avg Settlement Time (days)	Alert band 7 / 21	Description pending editorial review; the signal is live.
Card vs Billing Country Mismatch	Merchant rule	Description pending editorial review; the signal is live.
Corporate vs Consumer Cards	Watch only	Corporate vs Consumer Cards, shown by share.
Cross-Border Transaction Share	Watch only	Description pending editorial review; the signal is live.
Dunning Recovery Rate	Merchant rule	Description pending editorial review; the signal is live.
Oldest Pending Payout (days)	Alert band 7 / 21	Description pending editorial review; the signal is live.
Pending Settlement	Watch only	Description pending editorial review; the signal is live.
Prepaid Card Share	Merchant rule	Description pending editorial review; the signal is live.
Recurring Charge Failure Rate	Merchant rule	Description pending editorial review; the signal is live.
Recurring Charge Volume	Watch only	Recurring Charge Volume over time.
Settlement Batch Success Rate	Merchant rule	Description pending editorial review; the signal is live.
Settlement Stuck	Merchant rule	Alerts for Settlement Stuck.
Total Transaction Value	Alert band 0 / -5	Description pending editorial review; the signal is live.

Grow revenue (6 signals)

Signal	Alert behaviour	What it tracks
Average Transaction Value	Watch only	Description pending editorial review; the signal is live.
High-Value Transactions	Merchant rule	High-Value Transactions, broken down by row.
Revenue Over Time	Alert band 0 / -5	Description pending editorial review; the signal is live.
Revenue by Country	Watch only	Description pending editorial review; the signal is live.
Revenue by Currency	Watch only	Revenue by Currency.
Sales Volume Anomalies	Merchant rule	Sales Volume Anomalies over time.

Customer experience (4 signals)

Signal	Alert behaviour	What it tracks
AVS Match Rate	Merchant rule	Description pending editorial review; the signal is live.
Successful Transactions	Watch only	Description pending editorial review; the signal is live.
Total Transactions	Watch only	Description pending editorial review; the signal is live.
Under-Review Rate	Merchant rule	Description pending editorial review; the signal is live.

Control risk and change (2 signals)

Signal	Alert behaviour	What it tracks
Authorisation Success Rate	Alert band 97 / 92	Description pending editorial review; the signal is live.
Stored-Token Health	Merchant rule	Description pending editorial review; the signal is live.

Audit (5)

Audit risks and opportunities

A fix status appears only where the action, inputs, approval, verification and recovery controls are mapped. Candidate remediations are never executable. Open a check for the detail.

Dispute rate above 1% (Visa/Mastercard threshold)

Severity critical · Outcome Protect revenue · Fix status Candidate remediation

1% is the threshold Visa and Mastercard use to flag a merchant as excessive, and crossing it puts the account at risk of monitoring programs, extra fees, and in sustained cases, the ability to accept those card networks at all, on top of losing the disputed sales themselves.

A likely corrective operation exists, but its mapping and recovery are not yet complete, so execution is not offered. Evidence and recommended manual steps are provided.

Reference: PAYMENT-DISPUTE-001

Decline rate above 8%

Severity high · Outcome Protect revenue · Fix status Report only

More than 8% of payment attempts are being declined. Every decline is a customer who was ready to pay and did not complete the sale, so this is lost revenue at the very last step of the funnel, after every earlier marketing and conversion cost has already been paid.

Vortex IQ detects and explains this; resolution is manual, with evidence and recommended steps.

Reference: PAYMENT-DECLINE-001

Refund rate spiked > 50% vs 7-day average

Severity high · Outcome Protect revenue · Fix status Report only

Refunds jumped more than 50% above the recent weekly average. A spike this fast and this size usually has one specific, recent cause worth finding quickly, before it settles into an ongoing pattern that is harder to trace back to its origin.

Vortex IQ detects and explains this; resolution is manual, with evidence and recommended steps.

Reference: PAYMENT-REFUND-001

3DS challenge friction , > 30% of qualifying transactions abandoned

Severity medium · Outcome Protect revenue · Fix status Candidate remediation

More than 3 in 10 shoppers who reach a 3D Secure identity challenge are abandoning it rather than completing it. These are customers who already committed to buying and entered payment details, so this is revenue lost at the very last step, to friction rather than to lack of interest.

A likely corrective operation exists, but its mapping and recovery are not yet complete, so execution is not offered. Evidence and recommended manual steps are provided.

Reference: PAYMENT-3DS-001

Payout overdue > 5 days vs typical schedule

Severity medium · Outcome Grow revenue · Fix status Candidate remediation

A payout is running more than 5 days behind this gateway’s usual schedule. That is revenue already earned that has not reached the store’s bank account, which affects cash flow directly regardless of how sales themselves are performing.

A likely corrective operation exists, but its mapping and recovery are not yet complete, so execution is not offered. Evidence and recommended manual steps are provided.

Reference: PAYMENT-PAYOUT-001

Build your own automated fixes

Turn any finding into an automated fix with a Vortex IQ workflow: over 13,000 read and write operations across more than 200 connectors are available as building blocks, with approval, verification and rollback on every change.

Automate

Automate approved work

Vortex IQ is integrated with 6 read and 1 write operations across report ingchargebacks, report ingconversiondetails, report ingpaymentbatchsummarys, report ingreports, riskdecisions, tsssearches on CyberSource. Combine them with anything from the over 13,000 operations across more than 200 connectors to automate the work in your own words.

Changes follow your configured approval policy: the target, proposed change, affected records, risk, reversibility and verification plan are shown before execution.

Create a workflow

Ready to build your first CyberSource workflow

Pick a trigger, add the operations above as steps, and every step that changes data pauses for your approval. Monitoring and audits are live now and can start any workflow you build.

Browse the operations you can build with

Resource	Read operations	Write operations
report ingchargebacks	1	0
report ingconversiondetails	1	0
report ingpaymentbatchsummarys	1	0
report ingreports	1	0
riskdecisions	1	0
tsssearches	0	1
tsstransactions	1	0

Signed-in users see the full catalogue in the workflow builder, filtered to the sources they have connected.