Blended AR lies
A 67.6% blend can hide Visa at 78% and Mastercard at 52%.
Blended67.6%
Visa78%
Mastercard52%
Payment intelligence for high-risk PSPs
Every declined deposit has a reason. Fynqa finds it first.
See every deposit, know why it failed, fix the right MID first.
Demo access code from our team.
Acceptance by MIDLast 60 min. Tick = its 7-day levelIllustrative data
MIDMerchantvs 7-day levelARn
Blended77.8%n 3,237
EU_VISA_03Silverline Sports78.4%n 214
EU_VISA_01Northgate Casino82.1%n 1,204
EU_VISA_02Northgate Casino79.6%n 876
EU_MC_01Northgate Casino71.3%n 642
EU_MC_02Harbour Slots68.9%n 301
One MID fell 17 points. The blend moved about 1.
CriticalApproval low14:32
EU_VISA_03, Silverline Sports
AR 61.2%, its own 7-day level 78.4%, n 214
Declines: 3DS timeout 41%, failed challenge 22%
Read-only. No names, emails or card numbers. Live inside a European iGaming PSP since October 2026.
Live deployment at a European iGaming PSP, October 2026.
77.9%
AR on both sides over 6 days. Fynqa and the PSP’s back-office report agree: 14,666 of 18,829.
96% less
Alert noise. About 350 messages in 19 days became about 13 immediate messages.
3.18M USD
Recoverable-type failed value surfaced over 90 days, counted once per customer.
1.3M
Payments analysed since Dec 2024, rebuilt from 3.4M gateway documents.
391 to 32
Stuck payments, before and after.
10 s
Data about 10 seconds behind the gateway.
The problem
The gateway shows that it failed. Not why.
Every connector words declines differently
Free text, one set per connector. Fynqa maps them into 9 groups and says who can act.
3ds_timeoutAuth expiredchallenge not doneAuthenticationDocuments are not payments
Status polls can write ten "waiting" documents per payment. In live data, 678 stuck payments looked like 26,849 records.
"We mute the alert chat"
About 350 messages in 19 days, so people muted the chat. The same period now sends about 13 immediate messages.
Before350
Now13
Cascading is on. Nothing retries.
Flagged on 5.8% of payments, never actually retried. A configuration gap, found in the data.
Started5.8%
Attempted0
Successful0
3 of 7 is not a trend
A daily % on 3 to 30 attempts swings 30 to 60 points. Fynqa always shows n and hides cells under 30 results.
3 of 7 = 43%
6 of 7 = 86%
How it works
Four steps. No write access anywhere.
Fynqa reads your gateway’s transaction store. It never writes back: no refunds, no routing or config changes.
- 1
Connect read-only
GET only, IP-whitelisted. Fynqa requests an allowlist of non-personal fields. It never writes back.
- 2
Rebuild every payment
Redirect, 3DS and sale become one payment. Synced about every 10 seconds, reconciled nightly.
- 3
Watch and alert
Critical alerts post to Telegram at once. Warnings go into a 09:00 and 17:00 summary.
- 4
Recover
Each decline group says who can act. Recoverable value counts once per customer. A person approves every change.
Product tour
What your ops team sees
14 dashboards. Filters for route, merchant, MID and currency. Every number clicks through to the payments behind it.
Acceptance by MID and BIN, with n
Visa and Mastercard apart. Issuer country from the BIN. Cells under 30 results stay hidden.
Visa AR, MID x BINLast 30 daysIllustrative data
| BIN | EU_VISA_01 | EU_VISA_02 | EU_VISA_03 |
|---|---|---|---|
| BIN AGB | 84%n 612 | 91%n 398 | 79%n 120 |
| BIN BDE | 72%n 340 | 88%n 266 | 61%n 96 |
| BIN CAU | 58%n 188 | 83%n 145 | n < 30 |
| BIN DCA | 76%n 254 | n < 30 | 70%n 44 |
| BIN ESE | 88%n 97 | 86%n 64 | 74%n 51 |
80 and up65 to 79Under 65Under 30 results, hidden
9 decline groups and who can act
Each connector’s free text maps to one group. Recoverable or hard, and who can act: customer, PSP, provider or issuer.
Declines by groupShare of declines, last 7 daysIllustrative data
GroupWho can actShare
Recoverable62%
Not completedCustomer28%
AuthenticationProvider19%
TechnicalProvider9%
ConfigurationPSP6%
Hard, never retried36%
Issuer declineIssuer16%
Insufficient fundsCustomer11%
FraudIssuer5%
Card restrictedIssuer4%
OtherPSP2%
Alerts your team acts on, in Telegram
Critical alerts post at once with four buttons. One reminder after 30 min if nobody takes it. Every press is stored. Try them.
/status /routes /stuck /volume /ar /alerts /take /resolve /notissue /mute
Fynqa AlertsTelegram channelIllustrative data
CriticalApproval low14:32
EU_VISA_03, Silverline Sports
AR 61.2%, its own 7-day level 78.4%, n 214
Declines: 3DS timeout 41%, failed challenge 22%
Daily AR and volumes09:00
Northgate Casino
Silverline Sports
6.9 points below its 7-day level. Top declines: 3DS timeout, failed challenge.
Total EUR, 80.1%1,838/2,294, 89,120
Best MID per BIN
The same BIN on every MID, side by side. Only MIDs registered for MCC 7995. A person decides. Recommendations a person approves are on the roadmap.
BIN C, AU, VisaLast 30 daysIllustrative data
EU_VISA_0283%n 145
EU_VISA_0158%n 188
EU_VISA_03n/an < 30
Same BIN, 25 points apart. Sending EU_VISA_01’s 188 results to EU_VISA_02 would mean about 47 more approved deposits in 30 days, about 3,200 EUR.
Recoverable value, once per customer
Three failed retries of one 400 EUR deposit count 400 EUR, not 1,200. Nothing if the customer paid in the end.
Recoverable valueThree customers, recoverable-type declinesIllustrative data
Failed 400Failed 400Failed 400
400Customer A, three triesFailed 250Paid 250
0Customer B, paid in the endFailed 150
150Customer C, one tryRaw failed value1,600 EUR
Recoverable value550 EUR
From a number to the payment
Any number opens the payments behind it. Each payment shows its redirect, 3DS and sale chain, not its raw documents.
Payment detailPAY-7F3A, 120 EURIllustrative data
- Redirect
- 3DS challenge started
- 3 status polls, grouped
- Declined: 3DS timeout
- Group
- Authentication, recoverable
- Who can act
- Provider
- Counted as
- 1 payment, 6 documents
- BIN
- BIN C, AU
Illustrative data
Findings
What one live PSP found in its own data
European iGaming PSP, October 2026. Names withheld.
One BIN, a better MID
Over 563 results. About 222 more successful payments, about 11,300 USD, in 30 days by routing it there.
3DS lift on cards
77.6% with 3DS, 70.1% without, on one base. Apple Pay excluded so it does not skew.
Big tickets fail more
500 USD and up against under 250 USD. Tickets of 250 USD and up are 3.7% of payments and 25.5% of volume.
The first attempt decides
7.7% of customers whose first deposit attempt failed try again. 2.5% end up paying.
The why behind a weak MID
10 of 13 declines in one day were 3DS timeouts or failed challenges.
To first dashboards
From read access to daily use by the ops team.
Roadmap
Ask it why.
The daily post already gives a reason line for any MID 3+ points below its own 7-day level. Plain-language questions come next. A person authorises every fix.
Why is Visa AUD low today?
9 of 14 declines were 3DS timeouts or failed challenges on one MID. That points to 3DS with the provider, not the issuer.Suggested: raise the 3DS timeout with the provider. Compare the same BINs on your best MID.
In development, not liveIllustrative data
AR calculator
What is 1 point of AR worth?
Extra approved volume per month
+1 point54,054 EUR
+3 points162,162 EUR
+5 points270,270 EUR
Illustrative. Attempted volume = approved volume / AR. Gain = attempted volume x points. Not a promise of uplift.
Built for high-risk
MCC 7995 rules, built in
Read-only by design
GET only, IP-whitelisted. No refunds, no routing or config changes. A person approves every change.
No names, emails or card numbers
Phones, addresses, IPs and expiry stay out too. Masked PANs leaked into decline texts are stripped on arrival.
Hard declines stay hard
04, 14, 41/43, 54, 57, 62 are never retried or rerouted. Scheme retry fees and Visa VAMP exposure are not worth it.
Inside MCC 7995 MIDs
Routing insights compare only MIDs registered for MCC 7995.
New MIDs, no code
New connectors, acquirers and MIDs are picked up without code changes.
Telegram-native, with an audit trail
Every alert and button press is stored: who handled what, how fast.
Who it’s for
The people who answer for AR
PSPs and gateway owners
- Several acquirers, dozens of MIDs, often on a white-label platform
- AR drops and you need to say why, today
- Alerts your team has stopped reading
- Merchants who want answers daily
Operators’ payments and cashier teams
- Deposit approval and FTD conversion are revenue
- Which PSP, MID, BIN or country is failing
- Evidence to push your PSPs with
- Stuck deposits with a named owner
Acquirers, EMIs and introducers: talk to us if you are looking for partners who can show clean acceptance data.
FAQ
Questions PSPs ask first
What data do you need, and how does it connect?
Read access to your gateway’s transaction data. Fynqa requests an allowlist of non-personal fields, GET only, from whitelisted IPs. Nothing writes back.
Which gateways do you work with?
Any gateway whose transaction data we can read via API, index or export. The first integration is live on a white-label gateway.
What about personal data?
Fynqa does not request names, emails, phones, addresses, IPs, card numbers or expiry. A one-way card fingerprint groups one customer’s attempts and is never shown. Masked PANs that a provider leaks into decline texts are stripped on arrival.
Where is it hosted, and how is it secured?
Read-only access from whitelisted IPs, and only allowlisted non-personal fields are stored. Ask us for hosting details for your setup.
How long until first dashboards?
In about two weeks from read access.
What does it cost?
First, what is one point of AR worth to you? At 4M EUR in monthly approved deposits and 74% AR, it means about 54,000 EUR more approved volume a month. Run your own numbers, then book 20 min. We tailor pricing to your setup and go through it on the call.
Contact
Book 20 min. Or tell us what is failing.
We reply within one business day.