Something is pulling your Stripe authorization rate down. Find out exactly what.
When your auth rate slips, the number is visible but the cause isn't. Declines happen for dozens of reasons — issuer rules, 3DS friction, off-session behavior, card type, geography — and they don't all respond to the same fix. Chasing the wrong one wastes engineering cycles and leaves the real leak open.
Run your free audit →Upload your Stripe Analytics export. No credit card, no setup.
Example output
German cards authorizing at 14.9pp below reference
74.2%
Germany
89.1%
United Kingdom
German-issued cards are declining significantly more often than your reference segment. The gap is statistically significant after controlling for card brand, funding type, and session context.
Possible solution
Enable 3DS for DE-issued cards. German issuers preferentially authorize 3DS-authenticated transactions. This change typically closes 60–80% of the gap within 30 days.
How it works
Pliero runs logistic regression across your entire transaction history — controlling for card brand, geography, funding type, and session context simultaneously. You get a ranked list of segments with statistically significant underperformance, each with a specific action to take. Not industry averages. What's actually different in your data.
Free to run.
€10/mo only if actionable findings are found.