John Alder A.

Payment operations and analytics for ecommerce brands: approval rates, declines, chargebacks, processor fees, and the BigQuery and Looker Studio dashboards that keep them visible. ♦ Losing revenue to failed payments? ♦ Approval rate moved and nobody can say why? ♦ Processor fees and dispute costs eating margin? RECENT RESULTS (client names withheld) ♦ Diagnosed an 11.6-point approval-rate collapse, 88.2% to 76.6% during a 3x scale-up, and traced it to six compounding causes, each sized in approval points so fixes ran in order of impact ♦ Defended a BIN-routing change leadership wanted reversed: the new BIN ranges were approving at 77.7% versus 47.0% on existing ranges. The real drain was cascade retries burning 41% of volume at 6% approval ♦ Found the primary gateway absorbing 10,549 retry attempts at 7.6% approval, quietly damaging its internal risk score, and mapped a phased block of 990 near-zero-conversion BINs ♦ Reconciled 16,206 dispute alerts against transaction records, claimed $8,358 in wrongly billed fees, and surfaced ~$14K/month of cross-network double-billing ♦ Audited processor statements across five acquirers and flagged a 2.75% chargeback ratio, nearly double the Visa VAMP threshold, before it blocked new processor onboarding ♦ Built a scheduled decline-recovery workflow with best-gateway logic and logging, replacing about 14 hours a week of manual reprocessing WHAT I DO ♦ Approval-rate monitoring and decline analysis by BIN, gateway, country, product and funnel ♦ Gateway and BIN routing decisions, including cascade performance and best-gateway logic ♦ Decline-recovery automation with reprocessing timing strategy, logging and status tracking ♦ Chargeback and dispute-fee reconciliation: alert-to-transaction matching, credit claims, deflection gap analysis ♦ Processor cost audits: statement review, fee validation, effective-rate comparison, commission-threshold tracking ♦ Checkout reporting for Apple Pay, Google Pay, Afterpay, Klarna and 3DS conversion impact ♦ Automated data pipelines: checkout or processor API to BigQuery to Looker Studio, no manual exports ♦ Executive dashboards across payment, funnel and ops reporting TOOLS ♦ BigQuery ♦ SQL ♦ Looker Studio ♦ Google Apps Script ♦ Google Sheets ♦ Make ♦ Zapier ♦ n8n ♦ Stripe ♦ Shopify ♦ CheckoutChamp ♦ NMI-based gateways ♦ Ethoca and Verifi alert workflows HOW I WORK ♦ Async-friendly ♦ Clear documentation and handoff ♦ Built to be maintained after I hand it over ♦ I write for the person reading the dashboard, not the person who built it Message me with your checkout stack, the numbers you have to defend to leadership, and how often you need them. I will come back with the shortest path to making them reliable.