Rank #1
Issuer risk controls triggered
Likelihood this caused the decline: 82%
Recommended action
Retry with 3DS enabled.
Additional steps
- Ask customer to confirm recent card activity.
Explainability
Clear explanations for automated decisions — without access to internal data.
Demo Result
Back to overviewSynthetic sample output using non-personal data.
Example input signals
- Domain: Finance decline
- Service: Card checkout
- Action type: Payment authorization
- Country mismatch: yes
Top explanations
Decision summary
Most likely cause: Issuer risk controls triggered
Likelihood: 82%
Recommended action: Retry with 3DS enabled.
Rank #2
Velocity threshold exceeded
Likelihood this caused the decline: 67%
Recommended action
Apply a short cooldown before retry.
Additional steps
- Limit repeated attempts per account.
Rank #3
Card-country mismatch review
Likelihood this caused the decline: 54%
Recommended action
Collect billing address verification.
Additional steps
- Route to manual review for high-value orders.
Start with a few signals — most fields are optional.