Pagos

So many conversations at #MRCVegas2025 revolved around the need for greater payments data visibility. You ask and Pagos delivers. Check out the latest release in Peacock, our payments data visualization platform: Snapshots https://lnkd.in/g6tgJgWS

The Pagos Product Documentation has received a major upgrade, furthering our commitment to clear, concise, and actionable documentation: https://lnkd.in/g2cfzbZ9 Thanks Mintlify!

In just a few days, the Pagos flock is taking to the skies for MRC Vegas 2025! Catch up with our incredible team of payments experts, including Klas B?ck, Albert Drouart, Liliana Sirotzky, Henrik Nilsmo, and more: ?? Schedule a meeting to talk payments data with the best in the industry ?? RSVP to our events (Wednesday at capacity) ? Attend Albert Drouart's session "What “Good” Looks Like: Using Your Payments Data KPIs To Monitor, Benchmark, Combat Fraud, and More" on Wednesday, March 12 @ 11:45 AM PST ?? Look out for us and stop by to say hi https://pagos.ai/mrc #MRC #MRCVegas2025 #payments

It's time for another ABC's of payments lesson! Today we're talking W for Win Rate—Chargeback Win Rate, that is! Chargebacks are exhausting. They cut into revenue, they take time and money to fight, and often that fight feels like an uphill battle. But not all transaction disputes are a lost cause. You CAN win some of them, and you can use the data around those successes to power more efficient chargeback practices in the future. Enter Chargeback Win Rate—a key metric that tells you what percentage of the chargebacks you fight actually result in a win ?? Why does this matter? ?? It measures success – A higher win rate means your chargeback response strategy is working, while a low win rate let's you know where there's room for improvement. ?? It helps you allocate resources – When you segment your chargeback volume (e.g. by market, product type, or payment method), you can identify the types of chargebacks you win most frequently; better yet, you might see where you're wasting your efforts and can redirect your focus to where it counts. ?? It reveals fraud trends – A declining win rate in fraud chargebacks could indicate shifting fraud tactics, gaps in customer verification, or weaknesses in your fraud tools. ? It informs decision-making over time – Since chargebacks can take months to resolve, tracking win rate over time gives you the full picture of what's working—and what may no longer be serving you. Maintaining a consistent win rate over time is tough work; fraud tactics evolve, technology changes, and chargeback teams or vendors experience turnover. Without ongoing tracking, even a strong strategy can start slipping. That's why we built the ?? Chargeback Win Rate by Reason Category ?? graph in our data visualization platform, Peacock. It breaks down your win rate by chargeback type, so you can see exactly where you're winning and where you need to improve. Chargeback management isn't just about reducing disputes—it's about fighting back strategically and protecting revenue. What's your chargeback win rate telling you? #payments #paymentseducation #paymentsoptimization

Our CPO & Co-Founder, Albert Drouart, posted yesterday about growing trends in stop_all_recurring declines and why monitoring such developments in your own payments data is crucial. In our latest blog, we dig into more of the history behind these declines and their potential impact on your business: https://lnkd.in/gWPp6sJX

Why are your payment costs rising? The answer might surprise you—unless you’re already working with Pagos that is ?? You’ve noticed your payment costs creeping up, but nothing obvious has changed in your processing setup. No new providers, no major shifts in transaction volume. So why is your bottom line taking a hit? The culprit might not be what you'd expect: hidden penalties and behavioral fees. These charges—like excessive retry fees or system integrity fees—are becoming more common, quietly adding up and eating into your margins. The good news? You don’t have to dig through processor statements to figure it out; we’ve already done it for you! The Pagos Penalties Dashboard breaks down exactly what penalties you’re being charged, by type, processor, and network—and automatically helps you track them over time. More importantly, it doesn’t just show you the problem—it gives you actionable guidance on how to avoid these fees in the future. With the right insights, you can stop paying unnecessary penalties and take control of your payment costs. In this example, our customer saw over $645K in penalty fees across the last three months of 2024. If they took action to address only ONE of the shown fees, they could decrease their spend on penalties by 13%—that’s over $83K in savings purely from changing their behavior to limit a single penalty. Contact us to see how you can cut costs and get one step closer to payments optimization!

We posted recently about the importance of keeping your BIN data updated—and now we're doubling down! Accurate BIN data isn't just a "nice to have" for your business... it's an absolute must. Learn why and how Pagos can help in this week's blog post: https://lnkd.in/gK4J6c3R

It's time for letter V in our ABC's of Payments educational series. For this one, we got some help from our friend Colin Luce at Basis Theory. Let's talk ?? Vaults ?? Vaults are the foundation of any payment strategy that involves multiple payment service providers (PSPs). As the name suggests, a vault stores and protects whatever sensitive payments data it contains. Merchants can build their own vaults or use a service provider to store customer payment credentials. Whenever their customers want to transact, the merchant simply retrieves the vaulted credentials—expediting checkout and reducing friction. Employing a vaulting service allows merchants to store sensitive payments data without facing the added costs and complexities of maintaining a PCI-DSS level 1 payment system. There are typically two types of vault services to choose from: PSP-agnostic vaults, which enable merchants to route transactions through any processor, and PSP-specific vaults, which limit merchants to using stored credentials with a single processor. What's the special sauce that keeps vaults safe and flexible? Tokenization! When a merchant stores a customer's payment details in a vault, they receive a token in return; this token—not the raw payment data—can then be used to complete future transactions for that customer. The underlying data remains fully protected and usable within the vault. Increasingly, modern merchants are viewing payments as a strategic growth asset rather than just a cost driver. Whether expanding internationally, building unique cross-channel experiences, or designing a seamless checkout, tokenization and vault architecture are the backbone of these efforts. If you are more familiar with V for Vendetta than V for Vault, that will be short-lived. As alternative payment methods like pay-by-bank (e.g. Zelle domestically or PIX in Brazil) move from push-only to pull functionality, it will be even more critical for merchants to have an agnostic vault for flexibility, redundancy, and scalability.

If your approval rate is 100%, then you must be done finding ways to optimize your payment operations, right? .......Right!? Check out our latest blog post to learn what revenue opportunities might be hiding in your payments data: https://lnkd.in/gh-eF2ne

Ready for your next payments lesson? For the letter U, we're talking Underperformance ?? . In payment processing, not everything works as smoothly as you'd hope. Not every transaction—even those from legitimate customers in reliable markets—will succeed and put money in your pockets. To truly optimize payments, you need identify where things are underperforming and why. That's where your data comes in. Are certain processors dragging down your approval rates? Do specific BINs consistently show higher decline rates? Is one region or payment method causing unexpected friction? Your payment data holds the answers. By digging into metrics like approval rates, decline codes, chargeback rates, and more, you can spot patterns that signal underperformance. Once you see the issue clearly, you can take action—whether that's rerouting transactions, negotiating with processors, or adjusting your fraud rules. Consider the following data for an enterprise subscription business using two processors. They noticed that one processor was consistently underperforming in terms of approval rate. The difference was significant enough for them to experiment with migrating all their transaction volume over to the higher performing processor. The experiment clearly paid off, as Processor A's higher approval rate persisted, even with the larger uptick in volume. In the six weeks after the switch, this merchant saw their average approval rate increase by *16* percentage points. This translated to millions more in approved transaction volume! The takeaway: Underperformance isn't a dead end. It's a starting point for improvement. Ready to review your data and find where you have room for payments performance improvements? Contact us today! #payments #paymentsoptimization #data