Braintree monitors your decline rates and will notify you if we see anything unusual. If you’d like to keep an eye on the rates yourself, here’s our recommended approach.
- Log into the Control Panel
- Under Advanced Search, click Transactions
- Under Status, check the box next to Processor Declined
- Adjust the date range as needed
- Click Search
- Click Download
The analysis process will be unique to your business, but in general, the more data you collect on customer transactions, the more helpful these results will be. For example, if you pass cardholder names or email addresses with transactions, you can often spot fake ones easily.
We find it easiest to look at the data by generating a pivot table filtered by Processor Response Text. If you’re not sure what a particular processor response means, this developer doc should help. Keep in mind that repeated transaction attempts on the same payment method can skew your decline rates. You can remove duplicate values from your CSV to get a clearer picture of unique declines.
If you’ve noticed a spike in processor declines for your transactions, you can use the bank identification numbers (BINs) to get an idea of what cards are being declined and identify trends from there.
After running a decline search, generate a pivot table filtered by First Six of Credit Card - then look up the BINs in a BIN database to see where they’re coming from. From there, you may be able to pinpoint whether the declines are specific to a card type, location, or possible prohibited transaction.
For example, if you find that 40% of your declines are coming from BINs connected to the same bank, you could then contact the bank to see if they have had any processing issues that would explain the declines.