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# Decline rate

# Decline rate

For successful payment management, it is important to understand what a **decline rate** is. This indicator represents the percentage of rejected transactions from the total number of transactions performed. You can find information about your decline rate in the ["Desktop"](https://private.mybrocard.com/company/dashboard) section. Decline rate is calculated for the company, team and individual user for 7 and 30 days.

**Team_owner** has access to an individual decline rate, as well as to the entire company's and each participant's one.
**Team_admin** has access to a decline rate of an individual user, company and each participant, including **team owner**.
**Team_leader** has access to an individual decline rate, the indicators of its team members, as well as to the entire team as a whole, but not to the company's indicators.

### Why is it important to monitor one's decline rate?

Rejected transactions are unprofitable for both, a bank and payment systems (Visa, Mastercard and others). A large number of rejected payments can increase rejection fees, as has happened earlier. In addition, due to the large number of rejected payments, merchants are beginning to lose credibility of a bank identification numbers (BINs), which negatively effects the binding of cards.

### Which decline rate is considered fine?

For both a company as a whole, and for individual participants, the optimal level is less than 10%. When this indicator is reached, Mybrocard provides additional bonuses in the form of [cashback](https://brocard.crisp.help/en/article/cashback-16afcef/). If the indicator exceeds 25%, pending lock is activated for all company cards. That is, the card is not blocked immediately, but does after 24 hours. If the indicator exceeds 50%, the ability of blocking a cards is disabled for user.

_When blocking of cards with debts to the merchant is abused, an account of an individual user or the company as a whole may be blocked._

### How to reduce the decline rate?

* Set a low threshold for billing so that more successful transactions may take place.
* Unbind the card from the account.
* Pay for all the billings.
* For cards with account balance, enable the [micropayments](https://brocard.crisp.help/en/article/micro-payments-on-blocked-cards-pcr9af/) function.

### Why is the decline rate not displayed?

The decline rate indicator will be displayed after 100 successful payments.

_The decline rate indicator is recalculated daily._

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