The neutral reference layer for merchantspayments

A payment analytics platform connects to your payment service providers (PSPs), normalizes the data into a single model, and gives you cross-provider visibility into authorization rates, costs, failure patterns, and optimization opportunities. A dedicated platform lets you compare performance across every provider in one independent view.

Axin is built to sit on top of the tools you already use, and we make connecting your data as painless as possible. Most sources come in through a file export or a read-only API key, with no engineering project required. PSPs and acquirers: Stripe, Adyen, PayPal, Checkout.com, Worldpay, Square, Shift4, Airwallex, Worldline, ACI Worldwide, Fiserv, and Global Payments, plus payment orchestrators and card vaults. Fraud detection: Feedzai, Fraudio, FICO, TransUnion TruValidate, Sift, LexisNexis Emailage, Signifyd, MaxMind, DataVisor, and SEON. 3D Secure and authentication: Visa Secure, Mastercard Identity Check, American Express SafeKey, CardinalCommerce, Entersekt, Modirum, and Netcetera. Don't see yours? We add new sources on request.

Axin ingests raw event data from each PSP, maps it to a canonical model with a unified failure taxonomy, and compares metrics like authorization rates, effective interchange rates, 3DS challenge rates, and settlement timing across providers. This gives you a true apples-to-apples comparison across your entire stack.

Axin's settlement reconciliation engine matches each PSP payout line back to the underlying transactions across every provider. Unmatched settlements, settlement timing drift (T+N), and fee discrepancies surface in one view, so you can account for every line in a payout.

Axin normalizes approvals and declines from every PSP into one taxonomy, so you can compare authorization rates by provider, card scheme, issuer geography, and 3D Secure flow. It pinpoints where auth rate is lost and what it would take to recover it, in one comparable view across your whole stack.

3D Secure analytics measures challenge versus frictionless rates, authentication drop-off, and the authorization-rate impact of Strong Customer Authentication (SCA) exemptions across your providers. Axin shows where 3DS friction is costing conversions and where exemptions can be applied safely.

Network token analytics quantifies how network tokens, compared with raw card numbers, affect authorization rates and interchange across your providers. Axin measures the uplift from adopting tokens for recurring and card-on-file payments so you can prioritize rollout where it pays off.

Interchange optimization means ensuring each transaction qualifies for the lowest possible interchange tier. Axin analyzes your transactions for common misqualifications like missing Level II/III data, incorrect MCCs, or token downgrades, and shows you what to fix and the estimated saving for each.

Fee creep is the gradual increase in payment processing costs over time, often hidden in scheme fee updates, blended pricing changes, or small rate adjustments that compound. Axin tracks your effective rate across PSPs over time and alerts you when costs drift upward so you can address it before it compounds.

Yes. Axin ingests chargeback and dispute records from each PSP into one model, linked to the original payments. You can track dispute rates, win rates, and response-window performance by provider and reason code, all in one place.

Axin is vendor-neutral and sits across all your PSPs at once. It normalizes every decline code and fee structure into one canonical model, so you can compare performance side by side and trace every number back to its source. Because the intelligence itself is our only product, the analysis is built entirely around your outcomes.