Payment DNA
Your Store Has a Payment DNA. Zyrix Reads It
After analyzing your transactions, Zyrix builds a unique behavioral profile of your payment patterns — and uses it to predict, optimize, and protect
Best hour: 8 PMTop card: VisaRisk: LowRecovery: 23%4 providers
🧬 Payment DNA Profile
Analyzed 47,234 transactions over 18 months
📊Transaction Patterns
Peak hours8 PM - 11 PM (43% of daily volume)
Peak daysThursday + Friday (35% of weekly)
Avg amount₺847 (trending up 8% QoQ)
SeasonalityStrong Q4 (+45%), weak Q2 (-12%)
Pay-day effect+22% on 1st and 15th of month
🧬Customer Genome
Customer mix62% returning, 38% new
Top segmentWomen 25-34, mobile, evening shoppers
LTV leadersInstagram ads customers (₺4,200 LTV)
Churn risk12% of active customers (AI predicted)
COD preference8% (declining — was 22% last year)
🔄Provider Affinity
Best overallHyperPay (97.1% approval)
Best for madaMoyasar (98.3% approval)
Best internationalStripe (94.8% approval)
Worst matchTap (89.7% — avoid for SA)
Cost-optimal mix60% HyperPay + 25% Moyasar + 15% Stripe
🛡️Risk Profile
Fraud rate0.025% (industry: 0.8%)
Chargeback0.15% (industry: 0.6%)
Decline rate3.3% (industry: 11.8%)
Risk categoryVERY LOW
Vulnerable toCard testing attacks (2/month)
🔮AI Predictions (Next 30 Days)
Revenue forecast₺2,600,000 (±8%)
Best growth leverEnable Apple Pay (+₺72K)
Biggest riskAl Rajhi BIN decline trend
Recommended actionAdd Moyasar fallback for 4319xx
Your DNA vs Industry Average
DNA Evolution (12 months)
| Q1 | Q2 | Q3 | Q4 | ||
|---|---|---|---|---|---|
| Mobile | 45%▸ | 58%▸ | 68%▸ | 78% | 📈 |
| Return % | 34%▸ | 42%▸ | 54%▸ | 62% | 📈 |
| Providers | 1▸ | 2▸ | 3▸ | 4 | 📈 |
| Fraud | 0.8%▸ | 0.4%▸ | 0.1%▸ | 0.025% | 📈 |
| Avg Order | ₺520▸ | ₺640▸ | ₺750▸ | ₺847 | 📈 |