> ## Documentation Index > Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt > Use this file to discover all available pages before exploring further. # Viva Payments on Vortex IQ > Monitor Viva Payments payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. Monitor Viva Payments payment health, authorisation and dispute risk, and catch settlement problems before they hit cash flow. [Connect or manage this source](https://app.vortexiq.ai/workbench/settings/sources) · [How connecting works](/integrations/connector-catalogue) · [Create a workflow](https://app.vortexiq.ai/workbench/flows/create?connector=viva-payments) performance signals automated checks prepared fixes proven workflows API operations ### What you can achieve Capabilities are grouped around merchant outcomes, not API terminology. Find failures, leaks and risks before they cost sales. Monitor orders, fulfilment, delivery and settlement. Improve discovery, conversion, campaigns and repeat purchase. 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. Authorise the source. Scopes are shown before access is granted. Watch the signals against your own baselines, not universal defaults. Run checks and gather evidence specific to your store. Explain what happened, why it matters and the proposed action. You review scope, risk and reversibility before anything changes. Apply through governed connector operations. 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 performance 25 performance signals. Open an outcome to see its signals and how each one alerts. Read-only operations do not modify the connected system. | Signal | Alert behaviour | What it tracks | | ------------------------------- | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | **3DS Abandonment Rate** | Alert band 15 / 30 | 3DS Abandonment Rate from Viva Payments, grouped under Payments & Checkout Health. Computes when a live Viva Payments integration is connected; reconc | | **Chargeback Rate** | Alert band 0.5 / 1 | Chargeback Rate from Viva Payments, grouped under Disputes & Chargebacks. Computes when a live Viva Payments integration is connected; reconciles ecom | | **Decline Rate** | Alert band 3 / 8 | Description pending editorial review; the signal is live. | | **Dispute Rate** | Alert band 1 / 2 | Dispute Rate from Viva Payments, grouped under Disputes & Chargebacks. Computes when a live Viva Payments integration is connected; reconciles ecommer | | **Net Revenue (after refunds)** | Alert band 0 / -5 | Description pending editorial review; the signal is live. | | **Refund Rate** | Alert band 2 / 5 | Description pending editorial review; the signal is live. | | **Refund Value** | Watch only | Description pending editorial review; the signal is live. | | **Refund Volume** | Watch only | Refund Volume from Viva Payments, grouped under Disputes & Chargebacks. Computes when a live Viva Payments integration is connected; reconciles ecomme | | **Refunds Over Time** | Watch only | Description pending editorial review; the signal is live. | | **Top Decline Reasons** | Watch only | Top Decline Reasons from Viva Payments, grouped under Payments & Checkout Health. Computes when a live Viva Payments integration is connected; reconci | | Signal | Alert behaviour | What it tracks | | ----------------------- | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Average Transaction** | Watch only | Description pending editorial review; the signal is live. | | **Revenue Over Time** | Alert band 0 / -5 | Description pending editorial review; the signal is live. | | **Revenue by Country** | Watch only | Revenue by Country. | | **Top Payment Methods** | Watch only | Top Payment Methods from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommer | | **Total Revenue** | Alert band 0 / -5 | Description pending editorial review; the signal is live. | | **Total Transactions** | Watch only | Total Transactions from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerc | | **Total Volume** | Watch only | Total Volume from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerce agai | | **Volume Trend** | Alert band 0 / -15 | Volume Trend from Viva Payments, grouped under Revenue & Sales. Computes when a live Viva Payments integration is connected; reconciles ecommerce agai | | Signal | Alert behaviour | What it tracks | | --------------------------------------- | ----------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Avg Settlement Time (days)** | Alert band 2 / 5 | Avg Settlement Time (days) from Viva Payments, grouped under Settlement & Payouts. Computes when a live Viva Payments integration is connected; reconc | | **Card vs Customer Country Mismatches** | 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. | | **Payment Methods** | Watch only | Payment Methods, shown by share. | | **Pending Payouts** | Watch only | Description pending editorial review; the signal is live. | | **Successful Transactions** | Watch only | Description pending editorial review; the signal is live. | | Signal | Alert behaviour | What it tracks | | ---------------- | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Success Rate** | Alert band 97 / 92 | Success Rate from Viva Payments, grouped under Payments & Checkout Health. Computes when a live Viva Payments integration is connected; reconciles eco | ### 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. **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` **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` **Severity** high · **Outcome** Protect revenue · **Fix status** Candidate remediation 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. 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-REFUND-001` **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 approved work Vortex IQ is integrated with **6 read** and **0 write** operations across checkouttransactions, acquiringorders, messagemes, payouts, transactionrefunds on Viva Payments. 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](https://app.vortexiq.ai/workbench/flows/create?connector=viva-payments) #### Ready to build your first Viva Payments 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. | Resource | Read operations | Write operations | | -------------------- | --------------- | ---------------- | | checkouttransactions | 2 | 0 | | acquiringorders | 1 | 0 | | messagemes | 1 | 0 | | payouts | 1 | 0 | | transactionrefunds | 1 | 0 | Signed-in users see the full catalogue in the workflow builder, filtered to the sources they have connected.