Our new Payment Search API helps you understand customer behaviour, investigate payment issues and analyze traffic, all through one endpoint.

Use more than 15 payment fields to select the types of payments you want to filter, based on ARN, amount, currency, BIN, issuer, payment method, and more, with search syntax that lets you build a customizable query based on your business use case.

Example use cases

Understand user behaviour

If you have a business model with high-spend customers, the Payment Search API can help understand when they’re most likely to buy. Using this data, you can target promotions to generate more revenue.

For example, you could search for all payments with an amount greater than 100 USD in a month, then extract the email addresses of customers with a cumulative monthly spend of over 1,000 USD.

Using these email addresses, you can run a second, filtered query and find what countries these customers are in, when they’re most likely to pay, and what payment methods they’re most likely to use.

You can then tailor promotions targeted at these customers to incentivize them to spend more.

Investigate payment issues

If you’ve noticed that your acceptance rate is significantly lower for customers that shop in a particular country, the Payment Search API can help you spot trends that will help you adapt your business logic to improve acceptance.

For example, you could pull all payments based on the country name with a declined status. You notice that issuers in that country are significantly more likely to decline transactions where you attempt 3D Secure exemption (ECI of 07 (non-Mastercard) / 06).

You can then update your business logic to fully authenticate transactions instead of requesting exemptions, helping to increase your acceptance rate.

Analyze payment traffic

If you want to view sales and acceptance rates by payment method, you can use the Payment Search API to run a query based on each payment method you use.  

You can then use the exported data to total up monthly sales figures and calculate your acceptance versus decline rate for each payment type.

This will help you find your highest performing payment methods, and those which are unperforming. If you use our Full Card API and host your own payment page, this data can also help you understand which payment methods to display first.

How does it work?

View our Docs for a full list of the API fields, the available syntax, and the data returned following a request.

By default, the Payment Search API will look through payments from the previous 30 days only – if you want to specify a different date range, you can use from and to fields in your query. You can also use the limit field to set a maximum number of results to retrieve.

We hope you find the Payment Search API useful, and we’d love to hear feedback. If you have a business case that needs a different search field or more response data, please let your Account Manager know or raise a support request. We’ll be happy to raise this as a feature enhancement request for you.

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