Payment authorisation rate calculator
Work out what share of your card payments get approved, what the declined ones were worth, and how much more you'd take if your approval rate went up. Free, no sign-up, nothing leaves your browser.
Use your own numbers for the same period, such as one month. Not every declined attempt is a genuine customer, and some customers pay again later, so treat the lost value as the most you could win back.
Why it matters
A payment authorisation rate is the share of card payment attempts that the customer's bank approves. If 100 customers try to pay and 92 payments go through, the authorisation rate is 92%. Every good payment that is declined is a lost sale, and some customers won't try again. Declines of genuine customers, often called false declines, can cost businesses more than fraud itself.
Ways to improve it
Collect full, accurate billing details at checkout. Use card tokenisation or card updater services so saved cards stay current. Retry soft declines sensibly rather than straight away and repeatedly. Use a clear business name on statements so customers recognise the charge, and check decline codes to see which problems come up most.
Launch your own money app
SendPay platforms let you get paid with payment links, invoices and subscriptions, alongside GBP, EUR and USD accounts and branded Visa cards, powered by licensed partners. SendPay doesn't offer card machines or acquiring.