Introduction to Harmonize
📌 Overview
Harmonize Analytics Dashboards are your all-in-one analytics solution for gaining deep, actionable insights into your payment operations. Designed to serve everyone from finance leads to operations teams to data analysts, Harmonize Analytics turns complex transaction data into clarity, confidence, and strategic direction.
With a flattened view of your data across multiple PSPs, Harmonize eliminates silos and makes it easy to compare performance, identify inefficiencies, and make informed decisions — regardless of how complex your payment stack is.
By leveraging Optimized Payments’ proprietary business logic, Harmonize gives you a deeper, more intelligent look into how funds move from your customers to your bank account — unlocking visibility into every stage of the payment lifecycle.
🏗️ Dashboard Architecture
🔹 Why a Standard Layout?
With Harmonize, we’ve designed every dashboard around a standardized layout to deliver a seamless, intuitive experience — whether you’re reviewing approvals, analyzing fees, or digging into disputes.
This consistent structure reduces learning curves, supports cross-team collaboration, and ensures that no matter which dashboard you're in, you always know where to find the insight you need.
🔸 What to Expect
Each dashboard follows the same intuitive flow:
🔼 Top Section – KPIs
High-level performance tiles that give you instant visibility into your most important metrics (e.g., Approval Rate, Sales Volume, Refund Rate).
📈 Tab 1 – Charts
Visual breakdowns that help you track trends over time and compare across key segments.
📊 Tab 2 – Data Tables
Detailed tables that allow you to explore the data behind the trends — perfect for deeper dives and operational insight.
🧩 Pre-Defined Groupings = Context-Aware Analysis
To make dashboards both powerful and easy to use, groupings are pre-defined and dynamically applied based on the dashboard you’re viewing. This means you’ll only see the grouping options that are relevant to that dashboard’s context.
Check out our Data Dictionary to see the full list of groupings!
🧠 Summary-Level Data for Trend Analysis
The dashboards are powered by summary-level data, making them ideal for:
Spotting performance trends
Identifying optimization opportunities
Monitoring KPIs over time
If you need to drill into individual transactions or view row-level detail, the Downloads and Research pages are your go-to areas for:
Transaction-level investigations
Dispute resolution research
Refund/audit tracking
Root cause analysis
🔧 Interactivity & Flexibility
Every element on the page is interactive:
Click to filter across all sections
Drill down into grouped categories
Use menus to toggle views or explore alternative groupings when applicable
📌 Pro Tip: Because of the standardized layout and smart grouping logic, once you’ve learned how to navigate one dashboard, you can confidently navigate them all.
📂 Dashboard Categories
Harmonize Dashboards are organized into two key categories — Core and Optimization — so you can access the insights you need based on your subscription level and business goals.
🧱 Core Dashboards
Included in all subscriptions, Core Dashboards provide the foundational metrics your team needs to monitor payment health, reduce friction, and stay on top of key trends.
Overview – A high-level summary across all major KPI categories
Authorizations – Approval volume, rate, and breakdowns by issuer or method of payment
Declines – Decline and reject patterns, reasons, and recovery opportunities
Sales – Gross and net sales, refunds, and deposit activity
Fees – Breakdown of processor, network, and interchange fees
Disputes – Chargebacks, fraud signals, and dispute rates
🚀 Optimization Dashboards (Add-on – Coming Soon)
These premium dashboards are purpose-built to help you identify and act on cost savings and performance lift opportunities.
Interchange Savings – Analyze downgrade trends and qualification success
Decline Recovery – Track retry logic and recoverable declines
Debit Routing – Visualize and evaluate debit routing opportunities
Account Updater – Understand updater activity and success rates
More in development to support your evolving needs
📣 Interested in unlocking premium dashboards?
Reach out to your Account Manager to learn more about features, access requirements, and pricing options tailored to your business.