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Thawani Acceptance
Payment Acceptance Intelligence · for Thawani's payment gateway
SYNTHETIC LEDGER · illustrativeseed 0x7468415718,000 auths · 30dby Kaushal Khodifad
Acceptance overview
Every declined authorization is lost merchant GMV.
A glass-box console over a synthetic OMR authorization ledger. Every figure below is computed live from 18,000 attempts - change a lever in the What-If Acceptance Lab and these numbers re-run over the array.
89.8%→?Move a lever · recompute over 18,000 rows live
89.8%
Authorization rate
16,161 / 18,000 approved
90.7%
Net-settled rate (orders)
retry-deduped
OMR 55.8k
Declined OMR at stake
$145.0k
OMR 392.8k
Approved GMV settled
$1.02M
+0 bps
Auth-rate uplift vs baseline
89.8% new auth rate
30-day authorization rate
syntheticDaily approved / total over the window. The seeded model yields realistic day-to-day variance around a 89.8% mean.
Decline mix
syntheticSoft38.3% · OMR 22.4k
Hard50.2% · OMR 26.9k
Fraud11.4% · OMR 6.4k
Top decline codes by OMR at stake
click a row to inspect →| Code | Class | Count | Share | OMR at stake | Retryable |
|---|---|---|---|---|---|
| insufficient_funds | soft | 329 | 17.9% | OMR 12,262 | yes |
| card_expired | hard | 240 | 13.1% | OMR 7,957 | no |
| restricted_card | hard | 256 | 13.9% | OMR 6,190 | no |
| invalid_card | hard | 201 | 10.9% | OMR 6,165 | no |
| account_closed | hard | 140 | 7.6% | OMR 4,070 | no |
| issuer_unavailable | soft | 125 | 6.8% | OMR 3,748 | yes |
What is real vs simulated
Real
- Policy engine & recovery draws
- SQL interpreter + equality proofs
- Held-out A/B attribution
- CSV ingester · Luhn PAN guard
- Guarded LLM narrator
Public-sourced
- FlyCode NSF recovery priors
- Visa/Mastercard token uplift
- 3DS challenge abandonment
- CBO fixed-peg (OMR→USD)
Synthetic
- All 18,000 transactions
- Every coefficient (illustrative)
- No figure is a Thawani actual
No number here is a Thawani actual. Bring your own auth CSV in Bring Your Data to re-run the engine on a real decline mix; full sources in Methodology.