El Dashboard avanzado es la herramienta visual definitiva para mantenerte al tanto del rendimiento de tu negocio online. Si también tienes tiendas físicas, estás de suerte, porque el panel avanzado se alimenta de toda tu actividad.

El Dashboard cuenta con una gran cantidad de información y gráficos. Pero antes de adentrarnos en ellos, conozcamos algunos controles básicos.

Controles “Mostrar” y “ocultar”

Lo primero que debemos tener en cuenta en esta página es el conjunto de interruptores de control en la parte superior de la página que muestran/ocultan los diferentes gráficos en nuestro panel. Haz clic en el botón marcado con un círculo a continuación para acceder a ellos:

Si hay demasiados gráficos para tus necesidades, simplemente haz clic en el interruptor para ocultar los que no necesitas.

Otra forma de ocultar un panel es hacer clic en el botón Cerrar (x) directamente en el gráfico:

Expandir/contraer

Si no desea ocultar por completo un gráfico de su panel, pero prefiere minimizar su área, simplemente haga clic en el botón expandir/contraer directamente en el gráfico:

El gráfico no desaparecerá, sino que estará disponible haciendo clic en el mismo botón para expandirlo.

Filtrando: un clic afecta a todos

En el Dashboard avanzado de PayXpert, hacer clic en un elemento de un gráfico hace que todos los demás gráficos que se muestran actualmente reaccionen también a ese filtro. Esto le permite ver los gráficos con su nuevo ángulo en mente.

Y para que sepa que ha filtrado el resto de la página, ese elemento se destaca en rojo:

3 paneles en uno: Actividad - Disputa - Volumen de negocios

El panel avanzado de PayXpert en realidad está compuesto por tres paneles especializados. Aquí puede seleccionar cuál desea mostrar:

• Actividad: Quizás el panel más pertinente, ya que le brinda lo que probablemente quiera saber primero: le brinda una descripción general de la actividad de transacciones durante el período seleccionado. Se trata de la cantidad de transacciones que recibió en el período y la tasa de conversión de esas transacciones. Este panel le permite tener una idea del "tráfico" en su sitio web y/o la cantidad de ventas que realizó en su tienda.

• Disputa: los filtros y los gráficos de este panel están especialmente orientados a fraudes, devoluciones de cargos y reembolsos. Le ayuda a comprender los patrones de fraude y devoluciones de cargos más recientes que surgen de las compras en su(s) sitio(s) web: de dónde provienen y cuándo llegan. Estar un paso por delante de estas transacciones problemáticas es fundamental para minimizar las pérdidas de ingresos y los problemas con su banco.

• Volumen de negocios: este es el panel de control de ganancias, diseñado para mostrarte diferentes gráficos que te ayudarán a comprender tus ganancias: de dónde proviene la mayor parte de tu negocio y los canales a través de los cuales llega.

En breve analizaremos los gráficos de cada panel de control.

Filtros principales: Duración del período - Granularidad - Tipo de análisis

Observa los filtros globales en la parte superior de la página:

Estos controles maestros controlan todos los paneles de control sin importar el tipo de panel de control o gráfico que estés viendo:

• Duración del período: puede ser de 1, 3, 6, 12 o 24 meses. De manera predeterminada, está configurado en 3 meses, lo que significa que tus paneles de control mostrarán información de los últimos tres meses (más el mes actual sin terminar).

• Granularidad: esta es la unidad de tiempo que usamos para generar tus gráficos y debe usarse junto con la duración del período. Por ejemplo, la duración del período estándar es de 3 meses y la granularidad estándar es de 1 mes. Esto da como resultado que los gráficos de barras en los 3 paneles se muestren de la siguiente manera:

  

  Sin embargo, podríamos, por ejemplo, seleccionar una duración de período de un mes (lo que nos daría los últimos 30 días) y una granularidad de 1 día. Esto nos permitiría comparar la actividad de transacciones de cada día durante el último mes:
  

  

• Tipo de análisis:

  • Período completo: considera la configuración de granularidad completa (por ejemplo, el mes, la semana o el día completos) en cada gráfico:

    

  • To date (Hasta la fecha): por otro lado, este es un filtro especial que le permite comparar el mes actual con los últimos tres meses en términos de cómo le está yendo ese día.

    Por ejemplo, hoy es el día 12. En la visualización del período completo, realmente no podemos comparar nuestro mes actual con los últimos 3 meses porque nuestro mes actual aún no ha terminado. Pero si filtramos “hasta la fecha”, se muestran los días 1 a 12 de los últimos 3 meses, y ahora podemos comparar el comienzo de este mes con el comienzo de los últimos 3:

    

    Otro uso práctico del filtro “Hasta la fecha” es comparar cómo te está yendo hoy con cómo te ha ido durante el mes pasado a esta hora del día. Para ello, establecemos la duración del período en 1 mes, nuestra granularidad en día y nuestro tipo de análisis en “Hasta la fecha” (“To date”):

    

    Y, ¡ay!, ahora podemos ver que nuestra actividad es baja para esta hora del día 😒 . Pero al menos nuestra tasa de aceptación se mantiene.

Recuerde que estos controles también se pueden usar en los paneles de Disputa y Volumen de negocios (y los afectan).

Tipo de facturación

Observe los filtros en la parte superior derecha de la página:

Con estos filtros puede seleccionar qué tipo de transacciones le interesa ver en su panel:

• Facturación: al seleccionar "facturación", calcularemos los distintos gráficos en los paneles teniendo en cuenta las nuevas transacciones. Verá la actividad de nuevas ventas, los transacciones de tipo riesgo, y el volumen de negocios. No incluiremos las refacturaciones.

• Refacturación: al seleccionar "Refacturación", está limitando sus transacciones a solo refacturaciones. Al aplicar este filtro, se muestran la actividad de refacturación, los fraudes y contracargos de refacturación y el volumen de negocios que obtiene de sus refacturaciones

• 3DS: si se selecciona, los paneles solo usan transacciones que pasaron por una verificación 3DS para generar los gráficos

• Not 3DS: if selected, the displays only include transactions that did not go through a 3DS check

By default, ALL types of transactions are shown (none of the above filters are applied).

Reset your filters

If you have finished drilling down on your data by selecting different filters and you want to refresh the whole Advanced dashboard without any filters applied, just click the filter button and select “Reset filters”:

This will let you start again from scratch.

About the different graphics

While some graphics appear in all 3 specialized dashboards, there are special graphics that appear only on their specialized dashboard. Let’s look at what each graphic contributes individually to these powerful, visual data-driven dashboards. We’ll also give examples of using the filters in each.

In all dashboards

The following graphics appear on all 3 dashboards (Activity, Risk, Turnover).

Payment methods

This graphic shows you the payment methods that have been used over the current period, in the order of their popularity:

Credit card brands

This graphic shows you the credit card schemes that have been used over the current period, in the order of number of transactions:

Networks

This section is only relevant to alternative payment networks handling bank-to-bank transfers. If you accept these types of payments, which are popular in northern Europe, then you will be able to see how many transactions went through each provider during your selected period:

If you do not accept bank transfers on your site, you will see “No data available” here.

Geographical repartition

Thanks to IP addresses we can tell you what countries your shoppers are based in. This intuitive area lets you see which countries most of your transactions for this period are coming from. Darker shading means higher numbers while lighter shading means less. But having said that, if a country is black, no activity (or chargebacks or turnover) came from that country:

The tooltips that appear when you hover over a country give you the exact numbers coming from that country for your selected period:

Remember that if you select a filter anywhere on the entire dashboard that this filter is reflected everywhere else. For example, if we select 2 months on the Turnover bar graph, and then look at our map, we will only see the turnover for those 2 months:

Clicking on a country

…And vice versa, if you click on one or more countries, the rest of your dashboard will only show you the data for those countries:

The Activity dashboard

Now let’s take a look at the graphics specific to our Activity dashboard.

Activity volume & Acceptance ratio (%)

This graphic does a couple of important things:

• It breaks your total transaction activity down into accepted vs. refused transactions:

  

• It shows you two important patterns in your traffic/sales:

  • Looking at the yellow line, we can see our overall activity… whether we’re improving our transaction volume, maintaining steady business, or doing less business. Notice how it follows the tops of the bars in the graph

  • Looking at the red line, we can see the acceptance ratio. This number is calculated by comparing the number of accepted transactions to the number of refused transactions. It is another measurement of our business, and perhaps just as important. As you can see in the image above, this current month we are experiencing a higher transaction success rate. And we can confirm that the green area, when compared to the blue area, is a lot bigger with respect to the same ratio over the last 3 months. So while our lower activity is disappointing, at least we’ve improved our acceptance ratio.

When you hover over a given time unit (remember that this is controlled by granularity), the exact details of that month or day or week are shown in the black tooltip: numbers as well as percentages of total transactions:

Activity per hour

By default this heat map shows you hours of the day with high or unusual transaction volumes. The darker the shading, the more activity for that hour of that day. In this example we can see that on the 19th of January during the middle of the day we had an unusually high volume of transactions submitted while over the rest of that business day we basically didn’t have any:

A 2-week period is shown on the left column but note that we can scroll up to move that 2-week window backwards in time:

But the Activity per hour graphic is not limited to transaction volume. Notice the selector, which lets us view different heat maps:

And here is where the real power of this graphic comes into play. For example, we can switch to the transaction refusal rate:

But refusal rate doesn’t give us the scope of how many transactions were actually refused. For this view we need to switch to Transactions refused per hour:

And now we can see very important info: the actual numbers of refused transactions. There have been a couple of points in the day over the last two weeks where that number has been severely high.

More details via sunburst graphic

And now we’re pleased to introduce you to a hidden gem of the PayXpert Backoffice: the Activity per hour sunburst, only available in the Advanced dashboard.

If you want more details for a given hour, just click it. A sunburst graphic will appear:

Within it, you can see, for that hour, a detailed analysis of the transactions composing the volume of that hour. The example image above shows how the rings on your sunburst graphic will appear by default. Each ring on the sunburst is a color-coded representation of the label on the right. For example, the response codes that the transactions resulted in is the first—the inner—ring, while the next ring to the outside is credit card brand. Notice in the image above that 75.86% of our transactions that hour were successful (response code 000, the first ring), and that 36.21% of our total were successful transactions and Visa branded. Looking at the 3rd ring, we see that 31.03% of our total were successful transactions, Visa branded, and in euros. The 4th ring, encompassing the whole area of the ring before it, tells us that all of the successful, Visa-branded transactions, in euros, for that hour, were not 3DS.

Let’s break down some of the other response codes. By hovering over the other parts of the “Code” ring we can see that:

• 6.90% of transactions for that hour were rejected with code 001 (Declined by issuer):

  

• 3.45% of transactions for that hour were rejected with an “Unknown error” (response code 999):

  

If we want to look at our data from different angles, we can change the arrangement of the rings on our sunburst graphic. To do this, all we need to do is drag and drop the labels:

• into the displayed or hidden item boxes:

  

• or by dragging a displayed item to the position we desire:

  

  In this way we can completely change the emphasis of our sunburst. In our example, we are now checking the response codes per issuer bank:

For example, here we see that all of our transactions for this hour were in euros:

This doesn’t give us much of an angle of comparison in our graphic, so we can hide it, using other items and rearranging them to give the sunburst more analytical impact:

Example

Using our sunburst intelligently like this we can get to the bottom of an issue like an unusually high number of rejections. For example, here we see that only 33% of our transactions were accepted!:

But what was the problem? Well, putting the rebill item in the inner ring of our graphic, we see that 100% of our transactions were rebills:

That was what caused the high rejection rate: 2/3rds of our rebills didn’t go through!

But what about on other days? With the selector we can zoom out and focus our attention on rejected rebills over a longer span of time. We can do this as:

• a ratio:

  

• or we can see the numbers of refused transactions directly:

  

Growths overview

Here is a simple little graphic designed to show you how you are doing this month compared to last, in terms of activity and acceptance rate. Hopefully you will see a positive growth percentage as in this example:

But look at our activity numbers. December’s activity is higher than this month’s. This is because we are displaying the full period. To compare the activity of each month up to today’s date, remember that you can select the “To date” analysis type at the top of your Advanced dashboard. This will tune our date to compare the months as they progress(ed):

The Risk dashboard

On the Risk dashboard we have special graphics for chargebacks, which really hurt business, and fraud alerts, which are important to be aware of. The refunds info there lets you monitor and predict how refunding your customers before a potential chargeback is filed helps minimize your risk.

Let’s start at the top-right of the dashboard. In this area is a series of 4 different graphics, all dealing with risk:

Chargeback rates by brand

The first graphic in this group is a set of simple gauges that show you the percent of total transactions, for each card scheme, over this month and the last 3, that were chargebacks. For this graphic we use the month the chargeback was formalized by your bank, not that of the original transaction (if different).

Notice that by default, the current month is selected, so the gauges show the current chargeback rates for your current month. Having said that, you can select another month (or multiple months) in order to view the chargeback rates of those months (or combinations of months):

Chargebacks, frauds & refunds quantities

This insightful graphic eventually serves to help you see if your refund levels are high enough to minimize chargebacks and frauds. The more refunds you can give, the less chargebacks you will usually suffer. If you see the amount of chargebacks arriving going up, be more proactive with your refunds in order to limit the number of chargebacks that may still arrive!

Unlike the gauges we just discussed, this graph is affected by your period length, granularity and analysis type filter selections. In this example, we are looking at the last 3 months (plus our current month), by week:

Amounts distribution

Before we go into this graphic, please note that it can either be for chargebacks or frauds, so pick one:

Also note that what is shown here is the period length you select on the left:

Now that you know what you’re looking at, let’s begin from left to right. This is a distribution graph that is indeed meant to be read from left to right. On the left we have the financial total of the contesting type(s) for that period length:

Moving to the right we have the distribution between rebills and bills that composed this contesting type(s). In our example, we can see that for this period’s chargebacks, most of them stemmed from rebills and not first-time transactions:

In the third column we see the distribution between card schemes for this contesting type(s):

In the fourth and final column we have currency distribution. From the graphic above it’s easy to see that most chargebacks were in euros. If we hover over a currency we can see the exact amount:

We encourage you to play around with this graphic in order to become comfortable with it.

Chargebacks and frauds to billing date

This graphic is a bit like the second one in this group but instead of viewing quantities, you’re viewing chargeback and/or fraud rates, meaning the % of the total transaction volume that ended up as chargebacks and/or frauds during that unit of time. Note that we tie the chargeback or fraud to the date of the original transaction. Also included in this graphic is a line there for turnover, so you can see how your business is performing overall.

In the above example, we can see that in July, we had a high turnover (we were processing a high number of transactions), and our percentage of chargebacks and fraud was lower/dropping. This was ideal in both senses. Then, over the next few months, not only did our total processing decrease, but our chargebacks and fraud rates started to increase. This was bad in both senses. Ideally we want to keep a high turnover while keeping chargebacks and frauds at a minimal rate.

What can we conclude from these graphics? We need to limit our chargebacks: this will no doubt get our turnover back up. How do we do that? Well, besides providing more refunds, we should try to generate authentically new business (limit our rebills):

Distribution by delay (in days)

How can we read this graph? Well, it is a view into chargebacks or fraud alerts (select a contesting type!) with respect to how long they took to appear after the initial transaction.

Note that you can narrow down the original billing type to “Bill” or “Rebill”. The same goes for 3DS and non-3DS transactions. By default we show you chargebacks (or frauds) coming from ALL billing types.

Now let’s look at the info that this graphic actually gives us. Here we can see that most of our shoppers got the chargeback finalized within 5-10 days of our transaction.

But as we can see on the last bar to the right, chargebacks can be made even 180+ days after the transaction! So be careful. Follow the recommendations in the related article to minimize your chargebacks.

Distribution by operation ranking

In this intricate but invaluable dashboard we can see, from bottom to top, at our 1st, 2nd and 3rd rebill attempts (if we had them)… in fact, up to past the 10th), the number of:

• contestations for that rebill attempt (chargebacks or frauds, depending on what you selected)

• successful captures of those rebill attempts

And on the right side of the graphic we can see the corresponding rate (the ratio of contested rebill to successful rebill in %). In the example above, 1 chargeback vs 26 successful rebills gives us 3.85%.

Amount & quantity

Here we have for each month (or otherwise unit of the period), the quantity (number) of chargebacks (or frauds, depending on the Contesting type selected) that arrived and the amount (monetary) that all the chargebacks or frauds for that month have costed us.

The bar, which is broken into parts for Visa and Mastercard, when applicable, represents the monetary amount of the frauds or chargebacks arriving that month, while the line represents the quantities of frauds or chargebacks for that unit of time:

As you can see in the example above, curiously in August we received the highest number of fraud alerts but it was one of the least costly months in terms of fraud.

Quantities by date of billing

In this simple graph we show you the chargebacks or frauds for each time unit on the X-axis. But note that we tie the chargeback or fraud to the original transaction, not to when it arrived:

Don’t forget that the Geographical distribution chart is quite nice to analyze the chargebacks from a given market. Just by clicking on a couple of countries, our whole Risk dashboard changes so that we can analyze just those markets.

The Turnover dashboard

Now let’s look at graphics specific to the Turnover dashboard. This dashboard is meant to help you understand the money coming in.

Turnover tree view

This type of graphic may be familiar to you from the Risk dashboard. But now, instead of looking at chargebacks and/or frauds, we’re looking at Turnover.

Looking at the distributions in the second column, we can see that most of our business this period came from bills (not rebills):

But we can understand more here about our turnover, like, by looking at the last column in the image above, that we had very little turnover in US and Canadian dollars. While we can see above that Visa cards composed more of our total turnover, looking closer now at these CAD, we see that we had more business there from Mastercard-branded cards:

Captures quantity and turnover

Here you can see the number of successfully “captured” transactions (the line) compared to your turnover (the bar) for the time units in your selected period. Normally there is a direct correlation, where the higher the number of successful transactions we have, the higher the turnover we get to enjoy. However, it is interesting to see trends like shown in the last bar to the right, where even though we do not have that many successful transactions yet this month, our turnover is comparatively high, at least for the moment. This could be because our customers are buying more expensive items, but probably because chargeback and refund season has not started yet for this month.

Also helpful is the Geographical distribution, which via hovering, gives you a quick dataset for a country, or by clicking, changes the 3 dashboards to reflect that market.

Related articles

Transactions

Chargebacks

Frauds

How can I minimize the risk of chargebacks?