PayNearMe’s Data+ Insights provides an enhanced reporting solution via customizable dashboards. These dashboards enable you to assess your payment and consumer data in real-time through easily digestible charts—instead of digging through dozens of hard-to-read reports. With just a few clicks, you can filter and customize your data to gain better insight into the following:

• Payment Types
• Payment Channels
• Payment Distribution
• Declines and Returns
• Chargebacks
• Autopay Counts
• Engagements

Accessing the Dashboards

Your PayNearMe Technical Account Manager (TAM) will activate your dashboards for your Business Portal. To access them, simply log into the portal and, if not already selected, click on the Home tab. The dashboards will display under the Dashboards section.

Customizing the Dashboards

Each dashboard provides multiple charts that can be customized with specific variables to meet your unique business needs. With just a few clicks, you can quickly drill down on a specific variable/issue or view the overall performance of your payment solution with real-time data that instantly populates.

The Date Filter

Use the Payment Date filter to choose from 18 different predefined date ranges. These ranges can go up to a year prior.

If you need more than a years’ worth of data or a more specific date range that’s not covered by the predefined selections, use the Custom tab to select your own date ranges. You can enter a specific range in the text box by formatting the dates in yyyy/mm/dd format or select your dates from the date picker below the text box.

From there, the charts and graphs for that dashboard will populate with real-time payment data.

The Variable Selectors

Nearly every chart that displays on the dashboards contain variables. These variables can range from payment types and origins, decline/return reasons, chargeback types and origins, autopay types, and engagement types. To add or remove a variable from a chart, simply click the colored dot that displays next to the variable’s name in the chart key. Below is a chart displaying daily transaction declines by origin.

Each origin variable (i.e., or PayNearMe product) is represented by a corresponding color in the chart key. Let’s say you only want to see transaction declines that occurred via autopay and the consumer portal. You would click on every variable besides Auto-pay and Consumer Flow to remove them from the chart. The dashboard automatically reloads and displays the following:

To re-add the other variables, simply click on them again and the dashboard reloads the chart.

Trending Lines

As you can see above, some charts contain trending lines. Trending lines show the moving average for all variables at that point in the specified timeframe. To remove the line, simply click the Trending variable in the chart key. Other charts with percentages or ratios may also show a Max or warning line that indicates the maximum number of variables allowed by PayNearMe’s compliance and risk rules. For example, the following chart shows the decline percentage for each day in the specified timeframe.

As displayed in the chart, PayNearMe only allows a certain number of declines per day, which is 15% of the total number of payment transactions. These warning lines cannot be removed.

Using the Payments Dashboards

Use the Payments Dashboards to access and evaluate real-time payment data and make business decisioning more efficient.

Payment Counts and Sums by Type

Use these tables to evaluate the payment methods that consumers are using to make payments. The Payment Counts by Type table displays the total number of payments made with each payment type, while the Payment Sums by Type table displays the sum total of payments for each payment type.

The following payment types are represented:

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Payment Types Displayed

Your merchant configuration might only support certain payment types (e.g., cash only).

The Payment Counts by Type table is also represented in a bar graph with the same name. To see the precise number of payments that were made with a payment type on a specific date, hover over its corresponding bar in the chart.

Payment Counts and Sums by Origin

Use these tables to evaluate how consumers are making payments on the PayNearMe platform. The Payment Counts by Origin table displays the total number of payments made for each PayNearMe product, while the Payment Sums by Origin table displays the sum total of payments for each PayNearMe product.

The following PayNearMe products are represented:

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Displayed Products

The products that display on your dashboards will depend on how you are integrated with the PayNearMe platform.

The Payment Counts by Origin table is also represented in a bar graph with the same name. To see the precise number of payments that were made via that PayNearMe product on a specific date, hover over its corresponding bar in the chart.

Retailer and Consumer Payment Counts

The Retailer Payment Counts and Consumer Payment Counts graph displays the geographic locations where consumers are making cash payments (i.e., Retailer Payment Counts) and electronic payments (i.e., Consumer Payment Counts). To see the total number of payments made within that zip code, hover over the corresponding dot on the map.

Payment Distribution Charts

The payment distribution charts let you drill down into your payment data to see precisely when consumers make payments.

Day of Month

The Payment Distribution by Day of Month chart shows the day of the month when consumers are most likely to make a payment. Use it to identify payment patterns and adjust your order presentment schedule to maximize payment acceptance. For best results, set the Payment Date filter to the Last 30 Days or more.

Weekly

The Weekly Payments Distribution by Hour chart displays the cumulative number of payments made each hour for the specified week. For best results, set the Payment Date filter to any value under 30 days.

Hourly

The Payments Distribution by Hour chart displays the exact number of payments made each hour of the day. For best results, set the Payment Date filter to a value that is no more than 7 days. Ideally, these charts should display data for 1-2 days.

Using the Declines Dashboards

Use the Declines Dashboards to ascertain when, where, and why payments are declining.

Declines by Origin

Use the Declines by Origin charts to view how many transaction declines occurred for each PayNearMe product.

The following PayNearMe products are represented:

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Displayed Products

The products that display on your dashboards will depend on how you are integrated with the PayNearMe platform.

This data is also represented in the Daily Declines by Origin bar graph. To see the precise number of transactions that declined via a specific PayNearMe product on a specific date, hover over its corresponding bar in the chart.

Declines by Reason

The Declines by Reason table displays the most common decline codes and a sum total of all the decline codes during the specified timeframe.

Declines by Retailer Location

The Declines by Retailer Location graph displays the geographic locations where cash transactions have declined within the specified timeframe. To see the total number of declines that occurred within that zip code, hover over the corresponding dot on the map.

Declines as a Percentage of Total Payments

The Declines as a Percentage of Total Payments shows the ratio of declined transactions to total payments for that date. This chart also displays the maximum allowable percentage line for declines. To see the precise decline percentage for a particular date, hover over the corresponding bar in the graph.

Declines by Day of the Month

The Declines by Day of the Month chart displays the decline percentage for specific days of the month. To see the percentage for a particular day of the month, hover over that point in the graph.

Declines by Payment Type

The Daily Declines by Payment Type chart displays transactions declines for specific payment types for each day of the specified timeframe. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

The following payment types are represented:

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Payment Types Displayed

Your merchant configuration might only support certain payment types (e.g., cash only).

Using the ACH Returns Dashboards

Use the ACH Returns Dashboards to determine when, where, and why ACH payments are being returned.

ACH Return Reasons

The ACH Return Reasons table displays the most common return reasons and a sum total of all the returns during the specified timeframe.

This data is also displayed in the ACH Returns by Date with Reasons chart, which displays the number of returns and the reasons for the returns for a particular date within the specified timeframe. Hover over the corresponding bar to see the reason for the return and how many returns were made that day. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

ACH Returns by Origin

Use the ACH Returns by Origin chart to view how many ACH transactions were returned for each PayNearMe product within the specified timeframe.

The following PayNearMe products are represented:

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Displayed Products

The products that display on your dashboards will depend on how you are integrated with the PayNearMe platform.

ACH Returns Ratio

The ACH Returns Ratio chart shows the percentage of returned ACH transactions to total payments for that date. This chart also displays the maximum allowable percentage line for returns. To see the precise return percentage for a particular date, hover over the corresponding bar in the graph.

Using the Chargebacks Dashboards

Use the Chargebacks Dashboards to determine when and where card chargebacks are occurring for the specified timeframe.

Chargebacks by Origin

Use the Chargebacks by Origin and Daily Count by Origin charts to view how many card transactions resulted in chargebacks for each PayNearMe product.

The following PayNearMe products are represented:

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Displayed Products

The products that display on your dashboards will depend on how you are integrated with the PayNearMe platform.

This data is also represented in the Daily Count by Origin bar graph. To see the number of charged back transactions via a specific PayNearMe product on a specific date, hover over its corresponding bar in the chart. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Chargebacks by Type

The Chargebacks by Type chart displays the chargeback percentages for specific payment types.

The following payment types are represented:

Chargeback Amounts

The Chargeback Amounts chart displays the total amount that was charged back and the total amount that was returned for a specific date. To see the precise chargeback amount or the precise returned amount for a particular date, hover over its corresponding bar in the chart. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Chargebacks as a Percentage of Payments

The Chargebacks as a Percentage of Payment chart shows the ratio of chargebacks to total payments for that date. To see the precise chargeback percentage for a particular date, hover over the corresponding bar in the graph. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Using the Autopay Dashboards

Use the Autopay Dashboards to determine how often consumers are scheduling and automating their payments using Autopay.

Autopay Counts

The Daily and Weekly Autopay Counts charts display how often an autopay payment occurs for the specified timeframe.

Daily Autopay Counts

The Daily Autopay Counts chart displays the total number of autopay payments that occurred for a specific date. To see the precise number of autopay payments for a particular date, hover over the corresponding bar in the graph. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Weekly Autopay Counts

The Weekly Autopay Counts chart displays the total number of autopay payments that occurred during a specific week. This chart also displays the payment types used in the autopay schedules. To see the precise number of autopay payments made with a specific payment type, hover over the corresponding bar in the graph.

The following payment types are represented:

Daily Autopays as a Percentage of Payments

The Daily Autopays as a Percentage of Payment chart shows the ratio of autopay payments to total payments for each day of the month. To see the precise autopay payment percentage for a particular date, hover over the corresponding bar in the graph. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Autopay Messages Sent by Type

The Autopay Messages Sent by Type chart displays the total number of the different types of autopay SMS or email messages that were sent for a particular date. To see the exact number for a particular type of message on a specific date, hover over the corresponding point in the graph. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Using the Engagements Dashboards

Use the Engagements Dashboards to determine the number and type of engagement messages that are sent within a specified timeframe.

Message Types

The Message Types chart displays the total number of each type of engagement message that was sent during the specified timeframe.

This data is also broken down further into Email and SMS messages in the Email Message Counts by Type and SMS Message Counts by Type charts.

To see the exact number for a particular type of message on a specific date, hover over the corresponding bar in the graph. For best results in both charts, the Payment Date filter should be set at no more than the Last 30 Days.

Successful Delivery Count

The Successful Delivery Count Per Day by Service chart displays the total number of SMS and Email engagement messages that were successfully sent each day. To see the precise number of messages sent via email or SMS on a specific date, hover over the corresponding point in the graph. For best results, the Payment Date filter should be set at no more than the Last 30 Days.

Failure Rates

The Email and SMS Failure Rates with Reasons charts display the ratio of failed email and SMS messages to the total number of email and SMS messages sent that day and provides reasons for the failures. To see the exact percentage of failed messages for a specific reason, hover over the corresponding bar in the graph. For best results in both charts, the Payment Date filter should be set at no more than the Last 30 Days.

Past Due Messages

The Past Due Messages chart displays the total and type of past due messages sent for a particular day. To see the exact total for a particular type of past due message on a specific date, hover over the corresponding bar in the graph. For the best results in both charts, the Payment Date filter should be set at no more than the Last 30 Days.