Dashboard Guide

The PaymentsAI dashboard gives you visibility into your payments, subscriptions, and disputes, and lets you manage your account settings without any technical knowledge.

Navigation

The top navigation has the following sections, in order: Home, Transactions, Subscriptions, Disputes, Automation Rules, Gateways, Customers, Reports, Blocklists, Settings. The right side shows your organisation switcher and user menu.

Transactions

The Transactions section opens with an overview of four KPI cards:

• Total balance
• Gross volume
• Refunds value
• Processed payments

Below the KPIs, transactions are grouped by tabs: All, Sales, Refunds, Failures — each with a count badge.

Searching and filtering

• Search by customer or customer's email address: free-text search at the top of the list.
• Filters: opens the advanced filter panel.
• Show test data toggle — switches the list between live and test data.

Transactions list

The list shows the following columns:

Column	What it shows
AMOUNT	Amount and currency
STATUS	Completed, Declined, and other transaction statuses
CUSTOMER	Customer name (clickable to the customer record)
DATE	Date of the transaction
TYPE	Subscription or One time
PAYMENT METHOD	Card brand icon + last 4 digits
GATEWAY	Which gateway processed the transaction (for example, Payments AI)

Transaction detail view

Clicking a transaction opens the detail view, with a Make a refund button in the top-right for eligible transactions.

The detail view is split into Billing details and Customer.

Billing details:

Field	Notes
Amount	Amount and currency
Status	Including a coloured status pill (for example, Completed)
Status message	Free-text description, e.g. "Approved/Completed successfully or PIN verification is valid"
Date	Date and time
Payment method	Card brand, last 4 digits, expiry
Type	Sale, Refund, etc.
Gateway	Gateway used (e.g. Payments AI)
ARN	Acquirer Reference Number
3-D Secure	3DS authentication outcome, or Not recorded if not applicable
AVS response	Message + numeric code
CVV response	Message + numeric code
Device fingerprint	Captured at tokenization (masked)
IP address	Shopper IP (masked)

Customer: Name, Email, Origin.

Subscriptions

The Subscriptions section opens with an overview banner — Enable Subscriptions Dunning — that lets you activate automated retries for failed renewals.

KPI cards above the list:

• Subscriptions Renewal
• Trial Conversion Rate
• Canceled Subscriptions

Subscriptions are grouped by tabs: All, Active, Ended — each with a count badge. Search by product, customer, or customer's email address.

Subscriptions list

Column	What it shows
PRICE	Recurring amount and currency
STATUS	Subscription status (Active, etc.)
PRODUCT	Product name
CUSTOMER	Customer name (clickable)
BILLING CYCLE	For example, 1 month, 9 USD (custom cycle)
NEXT CHARGE	Date of the next renewal
RENEWABILITY	Automatic or other renewability mode
CREATED	Date the subscription was created

Subscription detail view

Clicking a subscription opens the detail view with a Cancel subscription button in the top-right.

Detail fields: Price, Billing cycle, Subscription ID (ord_...), Subscription status, Renewability, Created, Next charge, End time, plus the linked Customer (Name, Email, Origin).

Below the detail block, two sub-sections:

• Subscription transactions: table of every transaction belonging to this subscription.
• Logs: event log for the subscription.

Disputes

The Disputes section lists chargebacks and fraud notifications received on your account.

Disputes are grouped by tabs: All, Response needed, Under review, Forfeited, Won, Lost, Unknown — each with a count badge. Search by Dispute ID at the top of the list.

Disputes list

Column	What it shows
AMOUNT	Disputed amount
STATUS	Dispute status pill: Response needed, Under review, Forfeited, Won, Lost, or Unknown
LAST UPDATED	Date of the most recent status change
TYPE	Dispute type: Arbitration, Ethoca alert, First charge-back, Fraud, Information request, Second charge-back, or Verifi alert
CATEGORY	Reason category: Authorization, Consumer disputes, Fraud, Processing errors, or Uncategorized
GATEWAY	Gateway the disputed transaction ran on
EMAIL	Cardholder email
DISPUTED ON	Date the dispute was filed
RESPONDED ON	Date a response was submitted (empty if pending)

When there are no disputes, the section shows the empty state No disputes found — No dispute related to Payments AI has been made yet.

Deadlines vary by card network — see Risk and Fraud for the per-network response deadlines.

Important:

Missing a deadline means forfeiting the ability to contest the chargeback. To submit evidence, open the dispute record and upload your supporting documents (invoices, delivery confirmation, communication logs) before the deadline.

Automation Rules

The Automation Rules section is split into two areas using the left sidebar:

• Gateways: gateway routing rules and the backup gateway
• Subscriptions: subscription-related automations (for example, dunning)

Automation Rules require Pro Features — see Pricing and Fees.

Automation rules for gateways

Mutually exclusive:

Gateway Routing and Backup Gateway are mutually exclusive. To avoid routing conflicts, select one — you cannot use both at the same time.

Two rules are available on the Gateways tab:

• Backup gateway: a toggle on/off plus Configure button. Shows the Last update timestamp.
• Gateways Routing: list of routing rules (count starts at 0). Use Add first rule (or Add rule when rules exist).

Configure Backup gateway

Opens with a sidebar summary block and the rule status (for example, Inactive).

Prerequisite:

To use this feature, you must first connect two payment gateways that support card payments. Set them up in the Gateways section.

The configure form has one block — Set default and backup gateway — with two dropdowns:

• Default gateway: the gateway used first
• Backup gateway: the gateway used on the next attempt if the default fails

Actions: Cancel, Save, Save and activate.

Configure Gateways routing

Opens with a sidebar summary block and the rule status (for example, Inactive). Three steps:

1. Name your Rule — give the rule a unique name (Rule name input).

2. Set Condition — filter when this rule should run. Click Add first condition (or Add Condition) to add one. Each condition has three parts:

   • Condition field — one of: Transaction billing country, Transaction currency, Customer type, Transaction amount, Product
   • Logic: for example, Is in
   • Values: the values the condition matches against

   If you don't add any conditions, the rule is always triggered. If conditions do not match, the next rule in line is processed.

3. Set weight for each Gateway — controls which gateway account is selected.

   • Algorithm: Weighted random or Round-robin
   • Weights per gateway: input from 0 to 100 for each connected gateway (for example, Payments AI, Stripe, PayPal, Coinbase, Klarna, NMI). The dashboard shows each gateway's relative share as a bar.

Actions: Cancel, Save, Save and activate.

Automation rules for subscriptions

Subscription automation rules — for example, dunning (automatic retries on failed renewals) — are configured on the Subscriptions tab in the left sidebar.

Gateways

The Gateways tab is where you connect and configure payment gateways for your account. The header notes that the available gateways are selected based on your region, country, and your company's MCC.

Gateways are grouped into a Recommended Gateway card (the PaymentsAI Gateway), and Other Gateways divided into categories such as Card & Wallet and Buy now, pay later.

For each gateway, the dashboard shows the following common fields:

Field	What it shows
Status	Connected, Waiting for connection, or Not connected
Additional gateway fee	The PaymentsAI platform fee per transaction (0% for the PaymentsAI Gateway; 1% for every external gateway)
Active Currencies	The currencies enabled on this gateway for your account
Payment methods	The payment methods this gateway can process
Action	Configure, Connect, or Resume connecting, depending on status

Recommended Gateway: PaymentsAI

The PaymentsAI Gateway is shown at the top as the recommended option. Typical configuration:

• Status: Connected once your account is approved
• Additional gateway fee: 0%
• Active Currencies: AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, USD (16 currencies on a typical account; the exact set depends on your account configuration)
• Predefined payment gateway: no setup required

The card also lists three platform features:

• Intelligent Payment Routing: contributes up to 12% increase in sales
• Real-time fraud detection: prevents fraudulent transactions
• Automated retries: maximises worldwide customer conversion

Other Gateways

If none of the available gateways suits your needs, use Request a Gateway at the bottom of the section to submit a request.

Card & Wallet:

Gateway	Additional fee
Stripe	1%
PayPal	1%
Coinbase	1%
NMI	1%

Buy now, pay later:

Gateway	Additional fee
Klarna	1%
Splitit	1%

For per-gateway setup, supported regions, and limitations, see the Gateways section. Platform-fee detail is in Pricing and Fees.

Customers

The Customers section lists every customer record on your account. The header shows the total customer count, and you can toggle Show test data to switch between live and test customers. A free-text Search and the Filters panel let you narrow the list.

Customers list

Column	What it shows
NAME	Customer name (clickable to the customer record)
EMAIL	Customer email
COUNTRY	Billing country, if recorded
LIFETIME REVENUE	Total amount processed for this customer
CUSTOMER TAG	Tag set on the customer record, if any
PRIM. PAYMENT INSTRUMENT	Primary payment instrument — card brand icon + last 4 digits
LAST PAYMENTS	Date and time of the most recent payment
CREATED	Date and time the customer record was created

Filters

The Filters panel narrows the customer list by:

• Lifetime Revenue: total amount processed for the customer.
• Country: customer billing country.
• Prim. Payment Instrument: primary payment instrument on the customer record.
• Last Payment: date of the customer's most recent payment.
• Created: date the customer record was created.
• Customer tags: tags set on the customer record.

Each filter defaults to All.

From the customer record you can view attached payment instruments and the transactions or subscriptions belonging to that customer.

Reports

The Reports section has two tabs: PaymentsAI Gateway Reports and Failed Transactions Breakdown.

PaymentsAI Gateway Reports

Export month-by-month CSVs from your gateway. Pick the reports you need and get them as downloads or straight to your email.

1. Set the date range with the Between picker (top-right of the gateway card).

2. Under Select reports, tick one or more reports — or click Select all:

   Report	Description
   Accounting	Transaction data formatted for accounting purposes
   Balance	Current and historical account balance
   Statement	Periodic settlement statement
   Payouts	History of funds paid out to your bank account
   Transaction Details	Full transaction-level detail including fees
   Pending Transactions	Transactions not yet settled

3. Choose the Receive method — Download files or Send to email.

4. Click Download to generate the report. The button is disabled until at least one report is selected.

Failed Transactions Breakdown

Report of all declined transactions for the selected period, grouped by response messages. Shows the total count and share (percentage) for each reason — useful for spotting top failure causes and prioritising fixes.

Set the Between date range, choose the Receive method (Download files or Send to email), then click Download.

Blocklists

Manage entries that block specific payment instruments, customers, or risk attributes from processing on your account.

The section is organised into seven tabs, one per attribute type:

• Emails: block by full email address
• Email Domains: block whole domains
• IP Address: block by IP
• BINs: block specific card BINs
• Customer IDs: block individual customers
• Countries: block by country
• Address: block by address

Each tab has a search box (for example, "Search by full email"), an All items filter dropdown, and an Add item to list button. When a list is empty the dashboard shows No blocklists found.

Settings

The Settings section has a left sidebar — Organization settings — with six sub-sections:

• General: organisation information, business address, website
• Members: team and roles
• Billing: invoices, Pro feature, payment instruments
• Taxes: tax reports, tax locations, TaxJar integration
• System mails: email customisation and recipients
• Logs: system event log

General

Three blocks, each with its own Edit button:

Block	Fields
Organization information	Organization ID (UUID, with copy button), VAT, EIN number
Business address	Country, State, Street, Zip, City — the address shown on invoices and receipts
Website	Website Name, URL, Customer Service Mail, Customer Service Phone

Members

Manage your team and define roles and permissions in one place. Use Add members + in the top-right to invite new members.

Two lists:

• List of access requests: pending invitations or access requests, with a count badge.
• List of organization members: current members. Use the Hide deleted members toggle to filter.

Columns of the members list:

Column	What it shows
EMAIL ADDRESS	Member email
NAME	Member name
JOINED AT	Date and time the member joined
STATUS	Status pill (Active and others)
ROLE	Member role (for example, Owner)
OPTIONS	Per-row actions

Billing

Shows the upcoming invoice with the next charge date, a progress bar to the billing threshold (for example, 20 000,00 USD), and a list of past invoices with columns AMOUNT, CHARGE DATE, STATUS (for example, Paid).

PRO feature — block with Learn more and Deactivate actions. Pro Features unlock automation rules, advanced tax tools, and other capabilities. See Pricing and Fees — Pro Features.

Billing method — Credit card fee: 3%. The fee policy is described in the linked Terms and Conditions.

Primary payment instrument — Account owner, Address, Bank account number (masked, last 4 digits). Use the Update button to change it.

Backup payment instrument — optional secondary payment instrument. When empty, the dashboard shows: "No backup payment instrument added — Avoid getting your account blocked, in case we can't collect the PaymentsAI services fees from your primary payment instrument."

Bank whitelisting reminder:

The Billing tab includes a reminder to add PaymentsAI as a trusted recipient on your bank account to minimise the risk of failed PaymentsAI fee collections.

Taxes

The tax features below are available to US merchants only and require Pro Features to be enabled. See Business Decision Matrix — Tax Handling.

Tax reports — generate a tax report for a chosen period. Pick Year and Month from dropdowns, choose Accounting method (Cash or Accrual), then click Generate. The generated report is sent to your email.

Tax locations — additional organisation addresses where you may want to collect taxes. Required only if you are not connected to a TaxJar account. Use Add tax location +.

TaxJar Integration — optional integration. Shows current Status (for example, Not connected), API Key, and an Edit button.

System mails

"With our email style tools, you'll be able to customize your emails to fit your brand guidelines. You can add your own logo, change color or typography."

Three tabs:

• Recipients: Main recipient (the email provided at registration; changed under the Account settings link) and Other recipients (configure additional recipients with Add first recipient +).
• Customization: brand styling for emails (logo, colour, typography).
• Notifications: which events trigger an email.

Logs

System event log for the organisation.