SAMPLE STORE

LOOK THROUGH

Mid-size sample store: 3,000 payment attempts a month, average order €72.

Gateway report shows4 of 6leaks, about€5,350of €7,360 a month.illustrative

Find the payments your checkout is quietly losing

I trace failed and abandoned payments through your gateway reports, order data and server logs to find declines, 3-D Secure drop-off, webhook gaps and orders that never reconcile. You get a ranked fix list in writing. From €390.

Get a payment failure audit See a sample report

from€390proposed, excl. VAT 25.5 %. Fixed price, written report.

LEAK 5 OF 6: HOW IT IS FOUNDsample data

Webhook gaps

€970a month at stake in the mid-size sample storeillustrative

SEEN IN

Gateway reportOrder dataServer logs

The provider webhook log shows failed or slow deliveries; the access log shows what the endpoint answered. Timeouts, 500 errors after a plugin update and a rotated signing secret are the usual causes.

evidence, sample rowsFAKE IDS

198.51.100.7 POST /webhooks/payments 500 30.0 s

evt_test_1Lx4 attempts 4 last result: timeout

orders affected: TEST-2207, TEST-2219, TEST-2231

Usual fix: Answer 200 first and process in a queue, check the signing secret after every change, and alert on failed deliveries.

Audit my checkout

The pipe is a model of a sample store, not a forecast. Share of payments affected and the part a fix can recover are assumptions chosen to compare leaks with each other; your audit replaces them with your own numbers.

Three sources, one join

No single dashboard shows every failure. The audit reads three sources and joins them by payment id, so a payment that succeeded at the gateway but never became a paid order cannot hide.

Gateway reports

Payments export for 90 days: status, decline code, risk outcome, 3-D Secure result
Webhook delivery attempts and their responses
Refunds, disputes and payouts

Read-only dashboard access or a CSV export. Card numbers arrive masked or not at all.

Order data

Order export with the payment id on each order
Status changes with timestamps
Refunds, credit notes and cancelled orders

A staff account on Shopify, WooCommerce, Magento or OpenCart, or a database export.

Server logs

Access log for checkout, the return URL and the webhook endpoint
Application and PHP error logs
Content-Security-Policy reports, if collected

Many hosts keep logs for only a few weeks, so collection starts the day access arrives.

gateway
pi_test_7Kc1
status succeeded
€72.00, 14 Sep 14:02

joined by
payment id

store
order TEST-2207
status pending
no payment recorded

Sample rows with made-up ids. A match like this means money was taken and the customer is still waiting.

Payments failing and nobody can say why? Get a fixed audit price tomorrow.

Get a payment failure audit

What lands in your inbox

A sample of the written report: findings ranked, each with severity, the evidence behind it and the effort to fix. The store is fictional and every number is illustrative. Scroll inside the page.

RANK FINDINGS BY

Top finding by severity: 3-D Secure challenge fails inside in-app browsers.

PIKSELIPOLKU

Payment failure audit

sample report, fictional store

STORE: Esimerkkikauppa Oy, example.fi
PERIOD: 1 June to 31 August
SOURCES: Gateway export (9,412 rows), order export, access and error logs
PREPARED: Written report and 60-minute walkthrough

01Summary

Seven findings. Three are high severity and two of those take under half a day to fix. The largest single loss is 3-D Secure failing inside in-app browsers, where buyers arriving from social ads cannot complete the bank challenge. Combined, the findings put roughly €6,300 a month at stake in this fictional store, of which about €3,300 sits in the four week-one fixes.

02Findings

#	Finding	Severity	Evidence	Fix and effort	€ a month
1	3-D Secure challenge fails inside in-app browsers	High	118 payments left waiting for authentication; 63 % from in-app browsers	Open the challenge in the system browser; payment link after timeout. M, 1 to 2 days	1,660
2	Webhook endpoint times out after a plugin update	High	31 failed deliveries; 9 paid orders still pending	Return 200 first, queue the work, alert on failures. S, under half a day	980
3	Custom risk rule blocks returning customers abroad	High	23 payments blocked; 17 by customers with clean history	Switch the rule from block to review. S, under half a day	780
4	Payment script blocked on the express checkout page	Medium	42 sessions with a blocked script, 0 orders	Allow the provider script and frames in the CSP. S, under half a day	1,360
5	No second payment method after a decline	Medium	12 % of declined buyers try again	Offer a wallet or bank payment beside the decline message. M, 1 to 2 days	1,170
6	Double-pressed Pay creates two charges	Medium	6 pairs of identical charges within 10 seconds	Idempotency key per checkout; button locked while confirming. S, under half a day	210
7	Refunds made in the gateway never reach the store	Low	11 refunds with no credit note or stock return	Listen for refund events and write them back to the order. M, 1 to 2 days	120

€ figures are illustrative estimates for a fictional store.

03Evidence appendix

excerpt, sampleFAKE IDS

203.0.113.24 - - [14/Sep 14:02:11] "POST /webhooks/payments" 500 30012ms

203.0.113.24 - - [14/Sep 14:07:40] "POST /webhooks/payments" 500 30008ms

pi_test_3Fd9 requires_action canceled in-app browser €54.00

pi_test_8Hq2 blocked rule: country mismatch 7 earlier orders

csp-violation blocked-uri=https://js.provider.example page=/checkout/express

04Fix plan

WEEK 1Webhook queue and alerting; risk rule from block to review; CSP update; idempotency key on Pay.
WEEK 23-D Secure in in-app browsers; second payment method after a decline.
WEEK 3 AND ONRefund sync; 30-day before and after comparison; daily payments-to-orders report.

Page 1 of 9, sample

When an audit is not the first step

This audit starts at the Pay button. Some problems sit before it, or have nothing to measure yet.

01Shoppers leave before they ever press Pay. That is a conversion problem on product pages, cart and checkout forms: start with conversion optimisation.
02You take fewer than about a hundred card payments a month. Patterns will not show in data that thin; an hour of hands-on checkout testing at €95 is the better buy.
03Payments are not set up yet, or are being replaced. Plan the checkout first with payment integration and build the checks in from day one.

How the audit runs

Read-only from start to finish. Nothing on your store or server changes until you approve a fix.

1
Access
Read-only gateway access, a staff account and log access. No passwords by email.
2
Collect
90 days of payments and orders; logs from the day access starts.
3
Join
Payments matched to orders by payment id and time, then to log lines.
4
Rank
Each finding scored for severity, money at stake and effort.
5
Walkthrough
The written report and a 60-minute call. Fixes only if you ask.

Packages

Prices in euros, excluding VAT 25.5 %. You keep the report and every account. Provider fees are between you and your provider.

Payment failure audit

€390one-off, from, proposed

Six failure types traced across three sources
90 days of payments and orders
Ranked fix list with evidence
60-minute walkthrough call

Ask about the audit

Recommended

Audit and fixes

€390audit, then fixes at €95 an hour or a fixed price per fix

Everything in the audit
Fixes on Shopify, WooCommerce, Magento, OpenCart or custom code
Webhook queue and alerting where needed
30-day before and after comparison

Ask about audit and fixes

Quarterly health check

Quotedafter the first audit owner to confirm

Same three sources, last 90 days
New decline or webhook patterns flagged
Short written update
Cancel any quarter

Ask about health checks

If the audit does not find at least three concrete fixes, you do not pay for it. owner to confirm

Questions about the payment audit

What data do you need from me?

Read-only access to your payment provider's dashboard, an order export with the payment id on each order for the last 90 days, and access or error logs for checkout and the webhook endpoint. No card numbers are needed or wanted: Pikselipolku never holds card data, and provider reports show cards masked.

Can you fix what the audit finds?

Yes. Most fixes are settings, webhook code or checkout changes I can make myself on Shopify, WooCommerce, Magento, OpenCart or a custom build, billed at €95 an hour or as a fixed price per fix. If you have a developer, the report is written so they can make the changes instead.

How long does the audit take?

Usually one to two weeks from the day access arrives, depending on order volume and how many sources need joining. You then get the written report with the ranked fix list and a 60-minute walkthrough call. The quote states the delivery date before you commit, so you can plan around it.

Get a payment failure audit

Your email, store URL and what worries you are enough to start. You get a fixed audit price and a start date within one working day.

Pikselipolku does not process money or hold card data. You contract directly with your payment provider, and card details stay with the provider. The audit works from masked reports.

Pikselipolku is an independent studio and is not affiliated with Stripe, PayPal, Worldpay, Klarna, Paytrail or any other provider named here.

Or email [email protected]

Also: Worldpay integration and card acquiring. Card data never touches Pikselipolku: you contract with the provider and it holds the card details.

Find the payments your checkout is quietly losing

Webhook gaps

Three sources, one join

Gateway reports

Order data

Server logs

What lands in your inbox

Payment failure audit

01Summary

02Findings

03Evidence appendix

04Fix plan

When an audit is not the first step

How the audit runs

Access

Collect

Join

Rank

Walkthrough

Packages

Payment failure audit

Audit and fixes

Quarterly health check

Questions about the payment audit

Get a payment failure audit