Authorization rates, decline patterns, and recovery rates vary significantly by issuer. Without visibility at the issuer level, optimization efforts target the wrong variables. This tool surfaces which issuers are driving billthrough changes, by market and by merchant, and why.
847
Issuers Tracked
Across 60+ markets
43
Underperforming
Below market threshold
12
Degrading This Month
vs prior 30 days
8
Improving This Month
Materially above baseline
Top Issuers by Volume — Auth Rate Performance
Issuer
Market
Volume Share
Auth Rate
vs Market Avg
Retry Recovery
MoM Trend
Status
Chase (JPMorgan)
US
18.4%
89.2%
+2.1pp
41%
↑ +0.8pp
STRONG
Bank of America
US
14.1%
87.4%
+0.3pp
38%
→ flat
WATCH
Wells Fargo
US
11.8%
85.1%
-1.8pp
35%
↓ -1.2pp
INVESTIGATE
Barclays
UK
9.2%
88.6%
+1.2pp
44%
↑ +0.4pp
STRONG
HSBC
UK
7.8%
86.9%
-0.5pp
39%
→ flat
WATCH
Deutsche Bank
DE
6.4%
84.2%
-2.8pp
29%
↓ -2.1pp
ESCALATE
Santander
ES / LATAM
5.9%
81.4%
-1.4pp
33%
→ flat
WATCH
Citibank
US / Global
5.6%
88.1%
+1.0pp
40%
↑ +0.6pp
STRONG
NTT Docomo
JP
4.8%
92.4%
+1.4pp
52%
↑ +0.2pp
STRONG
Itaú Unibanco
BR
4.2%
76.8%
-3.2pp
28%
↓ -1.8pp
ESCALATE
Issuers Requiring Immediate Attention
Wells Fargo (-1.8pp vs market, -1.2pp MoM) and Deutsche Bank (-2.8pp vs market, -2.1pp MoM) are showing sustained degradation. At current volume share, the combined drag on billthrough rate is approximately -0.35pp globally. Itaú Unibanco in Brazil is the most significant outlier — the -3.2pp gap at that volume is driving material revenue impact in LATAM.
Issuer ↕
Market
Auth Rate ↕
vs Mkt Avg ↕
Retry Recovery ↕
Fraud Rate ↕
MoM ↕
Score
Status
—
—
Auth Rate — Last 6 Months
Decline Reason Breakdown
Recommended Actions
Auth Rate — Last 12 Months
Trend Analysis
Last updated: Today · Running total vs prior month
84.2%
Global Billthrough MTD
↑ +1.1pp vs prior month
$8.4M
Revenue MTD
↑ +$420K vs prior month
Wells Fargo
Biggest Drag Issuer
-1.2pp MoM · US market
NTT Docomo
Biggest Mover (Up)
+0.6pp MoM · JP market
What Changed This Month — Merchant / Market / Issuer Attribution
Three merchant-market-issuer combinations are driving the majority of this month's negative variance. Wells Fargo (US) and Deutsche Bank (DE) are showing sustained auth rate degradation that appears to be issuer policy changes rather than data quality issues. Itaú Unibanco (BR) has introduced a currency restriction that is blocking a specific merchant's billing attempts. All three require escalation to the payments operations team before end of week. The positive movements in JP (NTT Docomo) and UK (Barclays) offset approximately 43% of the negative impact.