05 / INTELLIGENCE

DON’T JUST PROCESS. UNDERSTAND.

A transaction is more than a final status. See the route, response, timing and decisions behind its outcome.

HOW IT WORKS

EVERY RESPONSE. ONE LANGUAGE.

01 / TIMELINE

The transaction as a sequence of events.

Each payment carries a timestamped record from request to webhook, including internal decisions that a connector never sees.

TIMELINE / PAY_AG_7MX10ILLUSTRATIVE

10:42:17.021payment.created

10:42:17.089risk.evaluated — PROCEED

10:42:17.101route.selected — EU_PRIMARY

10:42:18.031attempt_1.declined — issuer 05WARN

10:42:18.040payment.failed — returned to merchant

02 / RESPONSES

Issuer, connector and unified responses side by side.

Different acquirers describe the same decline differently. Intelligence keeps the raw issuer code and connector message, and adds a unified category merchants can act on.

RESPONSE MAPPINGILLUSTRATIVE

ISSUER	CONNECTOR RAW	UNIFIED
05	DO_NOT_HONOR	issuer_declined
51	INSUFFICIENT_FUNDS	insufficient_funds
91	ISSUER_UNAVAILABLE	issuer_unavailable · retryable
—	TIMEOUT	processor_timeout · retryable

03 / ATTEMPTS

One payment, several attempts — counted honestly.

When a payment is retried on a fallback route, approval analysis separates first-attempt outcomes from recovered ones, so retries do not hide a weak primary route.

ATTEMPTS / PAY_AG_3RT88ILLUSTRATIVE

#	ROUTE	RESULT	LATENCY
1	EU_PRIMARY	processor_timeout	8,000 ms
2	EU_SECONDARY	approved	910 ms

NEXT STEP

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