Agentic analytics · for payment operations

Reroute before the conversion drops.

When payment success falls on one PSP, Bicycle ranks whether it's issuer degradation or gateway latency, on the affected method and geo, before conversion drops.

A dashboard shows payment success dropped. A chatbot answers what you type. Bicycle has the cause and the reroute before conversion drops.

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No credit card required

app.bicycle.ai payment success · morning briefYour KPIs
Morning brief · what changed
Payment success · PSP-A · EU debit-4.1pp

Ranked #1 by impact. Est. exposure $42k. It found you, before you opened a dashboard.

Rank#1 · by revenue exposure
Also movingDecline rate · 3DS +2.1pp
Surfaced8:02am · ranked for you
Know Understand Act
You own payment success, not the answer

You own payment success, yet the "why did it fall?" answer waits in someone else's queue.

Same number, two operating models. One sends you to a ticket and a dashboard. The other brings the answer, the why, and the next step to you.

Without Bicycle With Bicycle
too late
You find payment success fell late, on a dashboard
By the time the drop stands out, conversion has already leaked on the affected PSP.
real time
Payment-success drops reach you ranked by revenue impact
You see the PSP and method that moved the moment it moves, not when you open the dashboard.
ticket
"Why did payment success fall?" means filing a ticket and waiting
Three days later you get a chart back, not a decision payment ops can act on.
with the alert
The ranked cause, issuer degradation or gateway latency, arrives with the alert
Cause, evidence, and ruled-out drivers on a governed payment-success definition. No ticket, no waiting.
still slow
Knowing isn't fixing, and the conversion keeps leaking
Even with the answer, lining up the reroute is a separate scramble.
act fast
The reroute to payments engineering comes with it, so you act before conversion drops
A scoped recommendation to move traffic off the degraded path, not just a chart to interpret.
The capabilities

One governed system, six capabilities behind every answer.

Six capabilities, set up once and run continuously. Business teams move faster, the data team keeps governance, everyone trusts the number. Pick one to go deeper.

Rapid activation on your stack

You wait for the analytics project to finish. You want a working operating view tied to the KPIs you own, not a blank dashboard canvas.

What Bicycle does

1

Skip the blank canvas. Relevant KPIs, starter alerts, and prompts are populated for your role.

2

Speak your language. The system arrives configured for your business, not the database schema.

3

Use it from day one. The starter agent is reviewable and live in days, not a six-month rollout.

In practice

Open your payments home on day one. Payment success, auth rate, decline rate, and 3DS friction are already monitored, ranked by impact.

Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.

The playbookKnow · Understand · Act

Your part of the loop is three moves: know what changed, understand why, act on it.

Knowwhat changed
→
Understandwhy it moved
→
Acton it, inside guardrails
Pillar 01Know

Know what changed before the review, down to where it moved.

Bicycle watches the KPIs you own, payment success, auth rate, decline rate, across PSP, method, and geo, and flags the move first, exactly where it happens, before conversion drops.
How Bicycle watches Every KPI you own, watched across segments; the move that matters surfaces ranked by impact.01 / 03
WATCHING EVERY KPI × SEGMENT · CAUGHT AT THE SEGMENT BEFORE THE AVERAGE MOVESBlended average −0.3% · within range · hides the segmentAndroidWebIn-storeEUAPACPSP-APayment successAuth rateDecline rateAOV−4.1ppsurfacedranked by impact#1Payment success · PSP-A EU debit−4.1pp$42k at riskranked first#2Refunds · apparel+1.8% · watching$12k#3AOV · west region−0.9% · in range$6kYou see the move ranked by impact, on your segments, before the average reflects it.
The alert inbox, ranked by impact
Dashboards on every KPI you own
Pillar 02Understand

Understand why payment success moved before you ask.

The first-pass cause arrives ranked, with the evidence behind it: issuer degradation, PSP latency, a 3DS rule, so you see why payment success moved without filing a ticket and waiting.
How Bicycle finds the cause It narrows to the affected segment, tests the drivers, and ranks the cause with the evidence behind it.01 / 03
ONE MOVE → MANY DRIVERS TESTED → ONE RANKED CAUSEPayment success−4.1ppPSP-A · EU debitdetected 09:58 · 24h windowIssuer degradation · debit79%PSP latency · gateway31%Scheme policy changeruled outFraud spikeruled out3DS rulesruled outCard type mixruled outPRIMARY CAUSE · 79% CONFIDENCEIssuer degradation on debitPSP-A · started 09:42 · EU debitRoutingIssuer logTxn log4 drivers ruled outRecommended next step: reroute to a backup PSPThe first-pass cause arrives ranked, with the evidence behind it and the wrong drivers ruled out.
The ranked cause with evidence
One shared data story for the review
Pillar 03Act

Act on it, scoped and routed to the team that owns the fix.

Take the scoped next step, reroute to a backup PSP or escalate latency to payments engineering, previewed and approved. Everyone can ask; the data team controls what gets trusted, and every action stays bounded, reversible, and logged.
How Bicycle acts on it It recommends the next step scoped to the cause, previews it, and runs it inside your guardrails.01 / 03
FROM CAUSE TO THE NEXT STEP · THROUGH THE GUARDRAIL · LOGGEDCause: issuer degradation on debitRECOMMENDED ACTIONReroute to backup PSPscoped to EU debitTHE GUARDRAILPreview what it will doScope: EU debitOwner: Payments engRollback readyevery attempt loggedSlack alertAUTOJira ticketAUTOPause degraded PSPAPPROVALAdjust routing ruleAPPROVALRun what you are cleared to; the rest carries approval, rollback, and a full audit trail · previewed · bounded · reversible · logged.
The recommended next step, scoped
Preview the action before it runs
Explore your playbook
A day in the lifeFirst pass by Bicycle · the call is yours
Your morning brief

Your morning brief starts with the first pass done.

Payment success dropped on PSP-A in EU debit traffic. Bicycle has already checked where it moved, ranked the likely causes, attached the evidence, and kept the definition governed. You review the move, check the evidence, route the reroute to payments engineering, and reuse it on the next drop.

Payment success · PSP-A · EU debitPayment success below baseline on debit, with the evidence already assembled for your review.
8:02 AM-4.1ppmorning brief
Your morning brief8:02 AM↓ -4.1ppbrief ready
Today · what moved on your KPIs
HighPayment success droppedPSP-A · EU debit-4.1ppvs 96.3% baselineTop segmentPSP-A · EU debit$58Kat riskYour KPIpayment success8:02 AM
MedRefund rate upApparel · returns+1.8ppvs baselineTop segmentApparel · US$24Kat riskOpsowning team7:40 AM
MedAverage order value downWest region-0.9%vs baselineTop segmentWest · all devices$17Kat riskMerchandisingowning team7:12 AM
LowAdd to cart rate downPaid traffic-0.6ppvs baselineTop segmentPaid · US$9Kat riskGrowthowning team6:58 AM
+ 4 KPIs · 1 high · sorted by revenue at risk
SnoozeOpen the move
Payment success · ranked causefirst pass by Bicycle↓ -4.1pp
Triaged to one segment · PSP-A · EU debit
-4.1pp success
baseline 96.3% · EU debit · high volume
1 of 6 segments affected · 5 within expected range
Likely driversranked · confidence
Issuer degradation → debit auth pathprimary79%
PSP latency on the gatewaysecondary21%
Pricing & discount changesruled out
Recommended actionsscoped
Recommend reroute to payments engineeringscoped
Alert #payments on Slackscoped
Reroute to a backup PSPpreview
scoped · previewed · reversible · logged
+ Detected 8:02 · first pass 8:03 · top segment PSP-A · EU debit
Adjust modelSee the evidence
Check the evidence · PSP-A · EU debit8:02 AM↓ -4.1ppreview
Impact overview
-4.1pp
payment success · vs baseline 96.3%
$1.8Mpayments at risk
2.14Mdebit attempts
Top affected segments
1
PSP-A · EU debit
-4.1pp
2
PSP-A · EU credit
-2.6pp
3
PSP-B · EU debit
-1.9pp
Evidence attached
Success trendauth to settle
Issuer healthdebit auth
Gateway latencyPSP-A vs PSP-B
Routing activityPSP traffic split
Ruled out · not drivers
Scheme policy changeno overlap with window
Fraud spikewithin range
3DS rulesunchanged
New vs returningboth affected
Definition governed · Source read-only · sources fresh
+ Reviewed by you · 8:11 AM
Send backTake the action
Act on it · payment success8:02 AM↓ -4.1ppact
Recommended actionscoped
Reroute to a backup PSP for EU debit traffic, the path off the issuer degradation that compressed payment success.
PSP-A · EU debit
The guardrailbefore anything runs
Preview the change firstrequired
Scope to the affected segmentEU debit only
Owner approves the reroutePayments engineering
Rollback stays one click awayreversible
Where it goesrecommended
Alert #paymentsauto
Recommend to payments engineeringapproval
Pause traffic on the degraded PSPapproval
scoped · previewed · reversible · logged
+ Scoped to EU debit on PSP-A · reversible · logged
Adjust scopeRecommend & assign
Reused next drop · operating memoryToday 6:54 AM↓ -2.4ppauto-applied
Similar situation detected: Payment success dropped · PSP-A · EU debit
Bicycle applied your accepted cause path.
Detected pattern
Issuer degradation
→
Applied path
PSP-A EU debit
→
Likely driver
Issuer degradation on debit
→
Recommended action
Reroute to a backup PSP
Caught 68 min earlier · 6:54 AM vs 8:02 AM on the first run
No re-investigation · path auto-applied, your review optional
+ Memory: payment-success drop · run 2
ReviewView saved path
What changes for you: less waiting on the analyst queue, more reviewing the first pass and acting on it.First pass by Bicycle · the call is yours
More roles on Bicycle · same loopYour team's KPI · your screens

Different teams own different metrics. Bicycle keeps the investigation governed.

You own payment success. Move to the payments teams around auth performance, pipeline trust, and revenue performance, all on the same loop.

Payments
Payments AnalyticsApproval rate and routing by issuer and acquirer Payments Data EngineeringMetric and pipeline trust: freshness, model drift
Payment OperationsPayment success and decline by PSP and method · you are here
Merchant OperationsChargeback rate and merchant health by merchant Scheme & Interchange OperationsDowngrade and interchange by card type Risk & Approval OperationsApproval rate by cohort, model and segment
Explore
Retail Shopify Travel Payments
Vibe Analytics

See it on your numbers.

Start with one recurring metric you own: why payment success or auth rate moved. Bicycle watches the governed KPI, ranks likely causes across issuer, card type, PSP latency, and 3DS friction, and hands you a reviewable first pass, before conversion drops.

What to bring
A recurring metric you own: payment success, auth rate, or decline rate.
An approved read-only path to the relevant sources: the warehouse, event streams, app & web, payments, or ad networks.
The metric definition, default dimensions, and the owner who approves the next step.
What we do
Configure the investigation path around your KPI, dimensions, and evidence rules.
Monitor device, OS, channel, region, and segment movement.
Prepare a first-pass cause analysis with evidence, ruled-out paths, and governed definitions.
Start for free Explore your playbook

No credit card required · analyst-reviewed · governed from day one