Payment Success & Error Diagnostics Dashboard

Real-time analysis of Nigerian digital payment transaction flows

Live Data

Core Performance Metrics

92.4%
Overall Success Rate
7.6% failure rate requires investigation
156
Total Transactions
Across all payment methods
47
Active Users
From 6 states & 5 signup channels
₦5.6M
Total Value Transacted
Avg: ₦91k per transaction

Payment Flow Funnel Analysis

Step-by-Step Drop-off
Transaction Initiated 100%
Payment Method Selected 96.2%
PIN Entered 93.6%
Transaction Success 92.4%

Key Findings

PIN Entry Bottleneck: 2.6% of transactions fail at PIN entry step — highest friction point in the flow
Payment Method Selection: Only 3.8% abandon after selecting method — payment gateway stable
Confirmation Step: 1.2% fail at final confirmation — potential network/timeout issues
Overall Reliability: 92.4% success rate is competitive for emerging markets, but further optimization needed

Geographic Performance Breakdown

State Transactions Success Rate Status
Lagos 34 33 97.1% Excellent
Kaduna 28 26 92.9% Good
Kano 24 20 83.3% Warning
Abuja 18 17 94.4% Good
Jos 16 14 87.5% Warning
Ilorin 6 4 66.7% Critical

Regional Insights

Northern Gap: Kano (83.3%) and Jos (87.5%) show 13.8% lower success rates than Lagos
Likely Causes: Network infrastructure, telecom latency, or incomplete KYC setup in rural areas
Lagos Benchmark: 97.1% success in Lagos indicates product is sound; regional issues are infrastructure-based
Priority Action: Partner with telecom providers in Kano/Jos to improve network reliability

Payment Method Reliability

Success Rate by Payment Method
USSD 96.8%
Bank Transfer 90.9%
Cards 80.0%

Payment Method Insights

USSD Dominance: Most reliable method (96.8%) — works across all networks and devices
Cards Concern: 16.8% failure rate indicates integration issues or high fraud blocking rates
Bank Transfer Gap: Middle performer (90.9%) — likely delayed processing or settlement issues
Strategy: Make USSD the default; implement error recovery flows for Card payments

User Demographics & Behavior

Success Rate by Age Group
35-44 95.0%
25-34 92.6%
45+ 91.7%
18-24 86.4%
Signup Channel Performance
Web 95.2%
iOS 92.3%
Android 89.5%

Strategic Recommendations

PIN Entry Friction (High Impact)

2.6% drop-off at authentication. Implement biometric (fingerprint/face) or OTP alternatives to reduce failed PIN attempts. Target: 2% drop-off within 30 days.

Regional Infrastructure (Medium Impact)

Kano/Jos show 13.8% lower success rates. Partner with MTN/Airtel to improve USSD reliability in low-connectivity areas. Monitor latency metrics.

Card Payment Integration (Medium Impact)

16.8% card failure rate suggests 3D Secure blocking or network issues. Review issuer response codes; implement automatic retry with fallback to USSD.

Youth UX Optimization (Low-Medium Impact)

18-24 cohort shows 8.6% lower success. Build simplified checkout for mobile; add inline error guidance; test A/B error copy on Android.

Success Metrics to Track

Weekly KPIs:
  • Overall success rate (target: 95%)
  • Step-level drop-off (target: <2% per step)
  • Payment method success (USSD >95%, Cards >90%)
Regional Watchlist:
  • Kano, Jos, Ilorin (currently <90%)
  • Network latency p95 (target: <500ms)
  • Telecom-specific error rates
Cohort Trends:
  • 18-24 age retention rate
  • Android vs iOS conversion gap
  • Repeat vs first-time user success