Agentic analytics · for payment operations

Reroute before the
conversion drops.

When payment success falls on one PSP, Bicycle ranks whether it's issuer degradation or gateway latency, on the affected method and geo, before conversion drops.

A dashboard shows payment success dropped. A chatbot answers what you type. Bicycle has the cause and the reroute before conversion drops.

No credit card required

app.bicycle.ai payment success · morning briefYour KPIs
Know Understand Act
You own payment success, not the answer

You own payment success, yet the "why did it fall?" answer waits in someone else's queue.

Same number, two operating models. One sends you to a ticket and a dashboard. The other brings the answer, the why, and the next step to you.

Without Bicycle With Bicycle
too late
You find payment success fell late, on a dashboard
By the time the drop stands out, conversion has already leaked on the affected PSP.
real time
Payment-success drops reach you ranked by revenue impact
You see the PSP and method that moved the moment it moves, not when you open the dashboard.
ticket
"Why did payment success fall?" means filing a ticket and waiting
Three days later you get a chart back, not a decision payment ops can act on.
with the alert
The ranked cause, issuer degradation or gateway latency, arrives with the alert
Cause, evidence, and ruled-out drivers on a governed payment-success definition. No ticket, no waiting.
still slow
Knowing isn't fixing, and the conversion keeps leaking
Even with the answer, lining up the reroute is a separate scramble.
act fast
The reroute to payments engineering comes with it, so you act before conversion drops
A scoped recommendation to move traffic off the degraded path, not just a chart to interpret.
The capabilities

One governed system, six capabilities behind every answer.

Six capabilities, set up once and run continuously. Business teams move faster, the data team keeps governance, everyone trusts the number. Pick one to go deeper.

Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.

The playbookKnow · Understand · Act

Your part of the loop is three moves: know what changed, understand why, act on it.

Knowwhat changed
Understandwhy it moved
Acton it, inside guardrails
A day in the lifeFirst pass by Bicycle · the call is yours
Your morning brief

Your morning brief starts with the first pass done.

Payment success dropped on PSP-A in EU debit traffic. Bicycle has already checked where it moved, ranked the likely causes, attached the evidence, and kept the definition governed. You review the move, check the evidence, route the reroute to payments engineering, and reuse it on the next drop.

Payment success · PSP-A · EU debitPayment success below baseline on debit, with the evidence already assembled for your review.
8:02 AM-4.1ppmorning brief
Your morning brief8:02 AM↓ -4.1ppbrief ready
Today · what moved on your KPIs
HighPayment success droppedPSP-A · EU debit-4.1ppvs 96.3% baselineTop segmentPSP-A · EU debit$58Kat riskYour KPIpayment success8:02 AM
MedRefund rate upApparel · returns+1.8ppvs baselineTop segmentApparel · US$24Kat riskOpsowning team7:40 AM
MedAverage order value downWest region-0.9%vs baselineTop segmentWest · all devices$17Kat riskMerchandisingowning team7:12 AM
LowAdd to cart rate downPaid traffic-0.6ppvs baselineTop segmentPaid · US$9Kat riskGrowthowning team6:58 AM
+ 4 KPIs · 1 high · sorted by revenue at risk
SnoozeOpen the move
Payment success · ranked causefirst pass by Bicycle↓ -4.1pp
Triaged to one segment · PSP-A · EU debit
-4.1pp success
baseline 96.3% · EU debit · high volume
1 of 6 segments affected · 5 within expected range
Likely driversranked · confidence
Issuer degradation → debit auth pathprimary79%
PSP latency on the gatewaysecondary21%
Pricing & discount changesruled out
Recommended actionsscoped
Recommend reroute to payments engineeringscoped
Alert #payments on Slackscoped
Reroute to a backup PSPpreview
scoped · previewed · reversible · logged
+ Detected 8:02 · first pass 8:03 · top segment PSP-A · EU debit
Adjust modelSee the evidence
Check the evidence · PSP-A · EU debit8:02 AM↓ -4.1ppreview
Impact overview
-4.1pp
payment success · vs baseline 96.3%
$1.8Mpayments at risk
2.14Mdebit attempts
Top affected segments
1
PSP-A · EU debit
-4.1pp
2
PSP-A · EU credit
-2.6pp
3
PSP-B · EU debit
-1.9pp
Evidence attached
Success trendauth to settle
Issuer healthdebit auth
Gateway latencyPSP-A vs PSP-B
Routing activityPSP traffic split
Ruled out · not drivers
Scheme policy changeno overlap with window
Fraud spikewithin range
3DS rulesunchanged
New vs returningboth affected
Definition governed · Source read-only · sources fresh
+ Reviewed by you · 8:11 AM
Send backTake the action
Act on it · payment success8:02 AM↓ -4.1ppact
Recommended actionscoped
Reroute to a backup PSP for EU debit traffic, the path off the issuer degradation that compressed payment success.
PSP-A · EU debit
The guardrailbefore anything runs
Preview the change firstrequired
Scope to the affected segmentEU debit only
Owner approves the reroutePayments engineering
Rollback stays one click awayreversible
Where it goesrecommended
Alert #paymentsauto
Recommend to payments engineeringapproval
Pause traffic on the degraded PSPapproval
scoped · previewed · reversible · logged
+ Scoped to EU debit on PSP-A · reversible · logged
Adjust scopeRecommend & assign
Reused next drop · operating memoryToday 6:54 AM↓ -2.4ppauto-applied
Similar situation detected: Payment success dropped · PSP-A · EU debit
Bicycle applied your accepted cause path.
Detected pattern
Issuer degradation
Applied path
PSP-A EU debit
Likely driver
Issuer degradation on debit
Recommended action
Reroute to a backup PSP
Caught 68 min earlier · 6:54 AM vs 8:02 AM on the first run
No re-investigation · path auto-applied, your review optional
+ Memory: payment-success drop · run 2
ReviewView saved path
More roles on Bicycle · same loopYour team's KPI · your screens

Different teams own different metrics. Bicycle keeps the investigation governed.

You own payment success. Move to the payments teams around auth performance, pipeline trust, and revenue performance, all on the same loop.

Vibe Analytics

See it on your numbers.

Start with one recurring question you own: why payment success or auth rate moved. Bicycle watches the governed KPI, ranks likely causes across issuer, card type, PSP latency, and 3DS friction, and hands you a reviewable first pass, before conversion drops.

What to bring
A recurring question you own: payment success, auth rate, or decline rate.
An approved read-only path to the relevant sources: the warehouse, event streams, app & web, payments, or ad networks.
The metric definition, default dimensions, and the owner who approves the next step.
What we do
Configure the investigation path around your KPI, dimensions, and evidence rules.
Monitor device, OS, channel, region, and segment movement.
Prepare a first-pass cause analysis with evidence, ruled-out paths, and governed definitions.

No credit card required · analyst-reviewed · governed from day one

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