The dashboard
Dashboard preview
Four answers first: how much you sold, when you get paid, what needs you, and where you stand with Visa and Mastercard. Then every payment's fee math, to the cent.
Good afternoon
Sat, Oct 17, 2026 · Clear plan
- Answer a $89.00 dispute6 days left, by Fri, Oct 23
- Release or refund 2 held paymentsby Mon, Oct 19
We warn you at 0.5% and agree a plan at 0.9%. The networks' limit is 1.5%.
Latest payments
$167.00 · Linen room spray, Amber three-wick + 1 more$160.48 keptRosa T. · Visa ••0521 · Today at 1:13 pmPaid
Visa Signature Preferred credit card, order #1655. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$34.95 · Candle care kit$33.41 keptHannah K. · Visa ••0833 · Today at 12:37 pmPaid
Visa Traditional Rewards credit card, order #1653. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$46.95 · Linen room spray, Sea Salt travel tin$45.86 keptNina V. · Visa ••8657 · Today at 12:36 pmPaid
Visa debit card from a large bank, order #1651. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$34.95 · Candle care kit$33.97 keptSam J. · Mastercard ••1528 · Today at 12:31 pmPaid
Mastercard debit card from a large bank, order #1652. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
Next payouts
Mon, Oct 19$2,969.01Sales from Thu, Oct 15Scheduled
Tue, Oct 20$3,181.02Sales from Fri, Oct 16Scheduled
Wed, Oct 21$1,644.92Sales since Sat, Oct 17, still addingAdding sales
Payments
Open any payment to see its fee math, to the cent.
This month: 655 payments, $46,785.05 in sales and $1,501.41 in fees, which is 3.21% of sales, counting each payment's card costs and our fee.
Needs a decision
$54.95 · Large Cedar & Smoke$53.73 keptSam M. · Mastercard ••1164 · Today at 1:20 pmHeld for review
Mastercard debit card from a large bank, order #1656. Our fraud check held this payment because the billing address didn't match the card's records. Release it or refund it by Mon, Oct 19. Nothing moves until you decide.
$113.00 · Refill wax, 1 lb, Gift set of three$111.12 keptSam V. · Visa ••5260 · Today at 1:09 pmHeld for review
Visa debit card from a large bank, order #1657. Our fraud check held this payment because the billing address didn't match the card's records. Release it or refund it by Mon, Oct 19. Nothing moves until you decide.
Today
$167.00 · Linen room spray, Amber three-wick + 1 more$160.48 keptRosa T. · Visa ••0521 · Today at 1:13 pmPaid
Visa Signature Preferred credit card, order #1655. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$34.95 · Candle care kit$33.41 keptHannah K. · Visa ••0833 · Today at 12:37 pmPaid
Visa Traditional Rewards credit card, order #1653. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$46.95 · Linen room spray, Sea Salt travel tin$45.86 keptNina V. · Visa ••8657 · Today at 12:36 pmPaid
Visa debit card from a large bank, order #1651. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$34.95 · Candle care kit$33.97 keptSam J. · Mastercard ••1528 · Today at 12:31 pmPaid
Mastercard debit card from a large bank, order #1652. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$82.00 · Sea Salt travel tin, Seasonal sampler$80.49 keptPriya T. · Visa ••0482 · Today at 12:10 pmPaid
Visa debit card from a large bank, order #1654. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$38.95 · Fig Leaf candle$37.29 keptIris S. · Visa ••0058 · Today at 11:55 amPaid
Visa Traditional Rewards credit card, order #1648. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$24.95 · Sea Salt travel tin$23.62 keptChloe W. · Visa ••7232 · Today at 11:42 amPaid
Visa Signature Preferred credit card, order #1647. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$120.00 · Amber three-wick, Cedar & Smoke candle + 1 more$115.75 keptMarcus T. · Visa ••0899 · Today at 11:19 amPaid
Visa Traditional Rewards credit card, order #1649. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$137.00 · Large Cedar & Smoke, Gift set of three$134.84 keptBen E. · Visa ••8373 · Today at 11:09 amPaid
Visa debit card from a large bank, order #1650. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
$169.00 · Gift set of three, Large Cedar & Smoke + 1 more$163.19 keptElena K. · Visa ••9676 · Today at 10:39 amPaid
Visa Traditional Rewards credit card, order #1646. Arrives in your bank on Wed, Oct 21, as part of that day's payout.
Earlier this month
$89.00 · Gift set of three$85.74 keptOmar M. · Visa ••1585 · Fri, Oct 2 at 8:31 amDisputed
Visa Traditional Rewards credit card, order #1046. The customer's bank opened a dispute on Wed, Oct 14. The $89.00 was taken out of your Fri, Oct 16 payout and is held until the dispute is decided. See Disputes.
$30.95 · Refill wax, 1 lb$30.04 keptMateo E. · Visa ••7582 · Tue, Oct 13 at 8:21 amRefunded
Visa debit card from a large bank, order #1470. Refunded on Fri, Oct 16. Sending a refund is free; this payment's fees aren't returned.
Payouts
Every business day, to your account ending 0042. No reserve on your account.
Each payout holds one business day of sales and arrives two business days later. Weekend sales join Monday's. Open any payout to see how it adds up.
Coming up
Mon, Oct 19$2,969.01Sales from Thu, Oct 15Scheduled
Tue, Oct 20$3,181.02Sales from Fri, Oct 16Scheduled
Wed, Oct 21$1,644.92Sales since Sat, Oct 17, still addingAdding sales
No payout went out on Mon, Oct 12 because banks were closed for Columbus Day. Payouts are sent on business days only, and the new date shows here as soon as a holiday moves one.
Paid
Fri, Oct 16$2,934.81Sales from Wed, Oct 14Paid
Thu, Oct 15$9,814.62Sales from Sat, Oct 10 to Tue, Oct 13Paid
Includes the weekend and Mon, Oct 12, when banks were closed for Columbus Day. Payouts are sent on business days only.
Wed, Oct 14$2,504.77Sales from Fri, Oct 9Paid
Tue, Oct 13$3,070.07Sales from Thu, Oct 8Paid
Fri, Oct 9$2,907.64Sales from Wed, Oct 7Paid
Thu, Oct 8$2,752.16Sales from Tue, Oct 6Paid
Disputes
A dispute is when a customer asks their bank to reverse a payment.
$89.00 from Omar M., order #1046
Needs your answer6 days left. Answer by Fri, Oct 23.
What happened: The customer told their bank the order never arrived. The order was paid on Fri, Oct 2 with a Visa card. The bank's reason: "Item not received."
What helps you win:
- Tracking number and carrier (added)
- Delivery confirmation or photo
- Messages with the customer
- Your refund and shipping policy as shown at checkout (added)
What it costs: no fee from Candor, win or lose. If you win, the $89.00 comes back to you. If you lose, the customer keeps it. If the order really didn't arrive, you can accept the dispute instead of answering it.
The buttons are turned off in this preview.
Closed
Card network health
Your standing with Visa and Mastercard, updated every day.
Visa
Healthy0.35%
Visa adds up fraud reports from card banks and disputes, then divides them by your online Visa payments. This month: 1 dispute and 1 fraud report out of 569 payments.
Mastercard
Healthy0.00%
Mastercard divides this month's chargebacks by last month's Mastercard payments. This month: 0 chargebacks, against 158 Mastercard payments in September.
Visa ratio, last six months
What happens at each level
| Level | What happens |
|---|---|
| Under 0.5% | Nothing to do. |
| 0.5% | We email you, show the payments behind the number, and suggest fixes such as a clearer name on card statements, delivery tracking or 3-D Secure. |
| 0.9% | We agree a written action plan with you and check it every week. |
| 1.2% | Account review. We tell you what we need and when we'll decide. |
| 1.5% | Visa's and Mastercard's monitoring limits. Visa's program applies once a business has 1,500 or more fraud reports and disputes in a month; Mastercard's once it has 100 or more chargebacks. Fines can start there, which is why we warn you long before. |
Declines
Why some payments didn't go through, in plain words.
95.5% of payment attempts went through this month. 31 of 688 were declined by the customer's bank. Candor charges nothing for a decline; on Clear, the networks' per-attempt fees, a few cents each, pass through on your monthly statement.
| What the bank said | Times | What to do |
|---|---|---|
| Not enough money on the card (51) | 11 | Ask the customer to use another card, or to try again later. |
| The customer's bank said no without giving a reason (05) | 7 | Ask the customer to call the number on the back of their card, or to use another card. |
| The card has expired (54) | 4 | Ask for the new card. For subscriptions, card updates come through automatically when the bank supports it. |
| The security code didn't match (N7) | 3 | Ask the customer to re-enter the card's security code. |
| The card number doesn't exist (14) | 2 | Usually a typo. Ask the customer to re-enter the number. |
| The bank suspects fraud (59) | 2 | Don't retry. The customer can confirm the purchase with their bank, then pay again. |
| The customer's bank couldn't be reached (91) | 1 | Try again in a few minutes. Nothing is wrong with the card. |
| The card can't be used (43) | 1 | Don't retry. Tell the customer the payment didn't go through and ask for another payment method. |
The code in brackets is the bank's response code, for your developer or a call with support. You never need it to understand a decline.
Help with words
Every term the dashboard uses, explained.
- Authorization
- The customer's bank checking the card and saying yes or no. No money moves yet.
- Capture
- Telling the bank to collect an authorized payment. Most checkouts do this straight away.
- Settlement
- Banks moving the money for captured payments, in batches each business day.
- Payout
- The money sent to your bank account: your sales minus refunds, disputed amounts and fees.
- Interchange
- The fee the customer's bank charges on each card payment. Visa and Mastercard publish the rates; the type of card and how it's used set the rate.
- Network fees
- Smaller fees Visa and Mastercard charge for running their networks.
- Dispute (chargeback)
- A customer asking their bank to reverse a payment. You can answer with evidence.
- Fraud report
- A card bank telling Visa that a payment was made without the cardholder's permission. It counts toward Visa's ratio even when no dispute follows.
- Reserve
- Money held back from payouts to cover future refunds or disputes. Your account has none.
- Hold
- A pause on a payout or a payment while something is checked. On Candor accounts, Stripe places payout holds and tells you what it needs.
- 3-D Secure
- An extra check by the customer's bank, such as a code or an app prompt. When it passes, the card's bank usually takes the loss on fraud disputes.
- Effective rate
- All your fees divided by your sales. A fair way to compare processors.
Design rules
How the dashboard stays simple.
Payments are complicated. The dashboard isn't allowed to be. The preview's views follow these rules, and so will the views still to come.
Questions before charts
The home screen leads with the four questions merchants actually ask, answered in words and one number each.
Words before codes
"Not enough money on the card", then the code in brackets for whoever needs it.
Every number adds up
Open any payout and it's a sum you can check: sales, minus refunds, disputed amounts and fees.
Color only means something
Green is fine, amber needs you, red needs you now, and each one comes with words, so the meaning never depends on color alone.
Deadlines count down
Disputes show days left, not just a date, with the evidence that wins that kind of dispute.
Jargon gets explained
Every term the dashboard uses is defined in plain words on its own tab.
Ready for a real account?
Opening an account takes a few minutes: your email, a 6-digit code and one tap. Then you manage your money on your Candor dashboard, in your account.