Failed authorizations, retries, reversals, and declines can still generate payment costs. If you only measure the transactions that settle, you may be missing an expensive part of your payments economics.

Gross payments revenue can look fantastic right up until interchange, network fees, processor costs, fraud losses, chargebacks, support, compliance, reserves, and operational overhead show up. ISVs and platforms need to understand the full cost stack before they celebrate payments revenue that may not actually be as profitable as it looks.