# Payouts analytics

Use the _Payouts_ view in the Dashboard's _Payment lifecycle_ section to track your payout performance over time and review your payouts analytics.

To access your payouts analytics in the Dashboard:

1. Sign in to the [Dashboard](https://dashboard.checkout.com/).
2. Go to _Payments_ > _Analytics_ > _Payment lifecycle_.
3. Select the _Payouts_ tab.

You can use the Analytics Assistant on the payouts analytics page to:

- Translate natural language into SQL queries for data filtering.
- Ask questions about your payouts performance.
- Retrieve data across the entire payment lifecycle.
- Generate charts.

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## Payout approval rate

When you request a payout, the bank that issued the payment card runs several authorization checks to determine whether to approve or decline the payment. The issuer checks if:

- The card details provided are tied to a real bank account.
- The bank account contains sufficient funds to cover the payment amount requested.
- There are any restrictions in place on the cardholder's account.

Your _Payout approval rate_ is calculated using the following formula:

`number of successfully approved payouts / total number of payout requests submitted`

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## Performance

The _Performance_ tab displays your payout performance over the payout lifecycle. For example, you can use the data to understand at which stage your payouts typically fail.

The _Payout performance_ graph displays your payout performance over time.

The _Performance breakdown_ table displays your payout performance by:

- Decline reasons
- Issuing countries
- Issuing banks
- Issuing BINs
- Payment methods

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## Regions

The _Regions_ tab displays a comparison of your payout performance for domestic payouts and cross-border payouts.

In the _Region breakdown_ table, you can see a more granular breakdown by Issuing country.

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## Declines

The _Declines_ tab displays insights into the reasons why payouts were declined, segmented by:

- Decline reasons
- Issuing countries
- Issuing banks
- Issuing BINs
- Payment methods

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## Payout failures

Payout failures typically occur due to the following reasons:

- The recipient card is not eligible for payouts because the issuer has not enabled Visa Direct or Mastercard MoneySend.
- The recipient card is not eligible for payouts because it was issued in a region in which the scheme does not support card payouts.
- The recipient card is expired, blocked, or has been reported as lost or stolen.
- You have insufficient funds in your sub-account to fund the transfer.
- The payout request was missing required fields. For example:
  - `amount`
  - `currency`
  - `currency_account_id`
  - `instruction.funds_transfer_type`

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## Improve payout approval rate

To improve the likelihood of a successful payout, you should:

- [Verify that the recipient card is eligible](https://www.checkout.com/docs/payments/request-payouts/card-payouts.md#Check_recipient_card_eligibility) to receive a card payout.
- [Verify that you have sufficient funds](https://www.checkout.com/docs/payments/request-payouts/card-payouts.md#Check_currency_account_balance) in your sub-account to fund the transfer.
- [Check the outcome](https://www.checkout.com/docs/payments/request-payouts/card-payouts.md#Check_the_outcome_of_the_payout) of the card payout.

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## Key metrics

| Metric | Definition |
| --- | --- |
| Approved payout amount | The total monetary value of payouts that were approved. |
| Compliance check | A stage in the payout approval process where compliance checks are performed on the payout recipient. For example, sanctions screening and anti-money laundering (AML) checks. |
| Compliance decline | A payout decline that occurred during the compliance check stage. |
| Cross-border payouts | A cross-border payout is a payout in which the scheme does not consider the sender and recipient to be within the same geographic scope.<br><br>Schemes set their own definition for geographic scopes. For more information, see [Support - Domestic vs cross-border geographic scopes for card payouts](https://support.checkout.com/hc/en-us/articles/32870373138450). |
| Decline code | The response code returned when a payout is declined and which indicates the reason for the decline. For example, `50020` for a recipient error. |
| Decline stage | The stage in the payout approval process where a payout was declined. For example, _Compliance check_ or _Eligibility check_. |
| Declined payout amount | The total monetary value of payouts that were declined. |
| Domestic payouts | A domestic payout is a payout in which the scheme considers the sender and recipient to be within the same geographic scope.<br><br>Schemes set their own definition for geographic scopes. For more information, see [Support - Domestic vs cross-border geographic scopes for card payouts](https://support.checkout.com/hc/en-us/articles/32870373138450). |
| Eligibility check | A stage in the payout approval process where the recipient card is checked for eligibility to receive payouts. |
| Eligibility decline | A payout decline that occurred during the eligibility check stage. |
| Payout approval rate | The percentage of payouts that were approved. |
| Scheme or issuer decline | A decline that occurred during the scheme outcome stage. |

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## Related topics

**[Card payouts](https://www.checkout.com/docs/payments/request-payouts/card-payouts.md)**

Perform near-instant payouts to eligible cards.

**[Request a card payout](https://www.checkout.com/docs/payments/request-payouts/card-payouts/request-a-card-payout.md)**

Request a card payout to perform a money transfer or a direct funds disbursement.