Payment Manager Take Home Interview – Chargeback Trend Analysis
Bold recently launched our Brazilian portal www.meucu
iculoperfeito.com.
. This is our first time into the Brazilian market and there are a lot of unknowns.
You are tasked to look into the first 6 months of transaction and chargeback data, and summarize important findings and make recommendations.
Please review the Payment Manager CB Analysis excel file and raw data tab. You will have 1 hour to review the data, answer below questions, and write up a
ief summary of your findings and give recommendations if any. In the write up, screenshots of excel tables or charts are totally acceptable. Please focus the analysis on the chargeback patterns. Other insights are welcome if you have extra time.
Questions (Please answer the questions as part of your final write up. The write up is the only deliverable for this take-home):
1) What is the July to Nov monthly chargeback rate for Brazil for Visa and MasterCard?
2) We ran multiple tests during this time period, such as billing descriptor and price test. What can you learn from the data? Any recommendations?
Some useful information to help you understand the dataset and questions better:
Chargeback: When a customer does not recognize or approve a successful transaction, s/he calls the card issuing bank, disputes the transaction and asks for the money back. Visa and MasterCard monitor merchant’s chargeback count and ratio, and mandate merchants to keep them below certain levels.
Chargeback Rate: For a given month the chargeback rate should be calculated as
Visa: the month’s chargeback transaction count / the same month’s total transaction count
MasterCard: the month’s chargeback transaction count / the prior month’s total transaction count
Descriptor: When customer gets charged, a Billing Descriptor is what shows up on the customer’s bank statement next to the charge to explain what the charge is for.
Raw Data for Test
Month Descriptor Charge Frequency Pricing Cu
ency Card Type Card Category Device Type Metrics Total Transaction Count Initial Subscriptions Count Chargeback Transactions
2019-06 TEL XXXXXXXXXX One Time Charge One Time Charge: BRL XXXXXXXXXXYear Access BRL MASTERCARD CREDIT DESKTOP 4 4 0
2019-06 TEL XXXXXXXXXX One Time Charge One Time Charge: BRL XXXXXXXXXXYear Access BRL VISA CREDIT DESKTOP 3 3 0
2019-06 TEL XXXXXXXXXX One Time Charge One Time Charge: BRL XXXXXXXXXXYear Access BRL VISA DEBIT DESKTOP 1 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL AMERICAN EXPRESS CREDIT DESKTOP 6 3 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL ELO CREDIT DESKTOP 30 14 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL ELO CREDIT MOBILE 5 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL ELO DEBIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT DESKTOP 722 326 2
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT MOBILE 45 22 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT TABLET 4 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD DEBIT DESKTOP 44 22 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD DEBIT MOBILE 1 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD DEBIT TABLET 1 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT DESKTOP 341 158 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT MOBILE 20 10 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA DEBIT DESKTOP 6 3 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL AMERICAN EXPRESS CREDIT DESKTOP 10 4 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO CREDIT DESKTOP 38 17 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO CREDIT MOBILE 3 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO DEBIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 754 341 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT MOBILE 56 26 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT MOBILE 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT MOBILE 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT TABLET 4 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD DEBIT DESKTOP 43 22 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD DEBIT MOBILE 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT DESKTOP 356 161 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT MOBILE 21 10 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA DEBIT DESKTOP 4 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL AMERICAN EXPRESS CREDIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL ELO CREDIT DESKTOP 40 19 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL ELO CREDIT MOBILE 4 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL ELO CREDIT TABLET 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL MASTERCARD CREDIT DESKTOP 697 317 2
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL MASTERCARD CREDIT MOBILE 49 22 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL MASTERCARD CREDIT TABLET 1 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL MASTERCARD DEBIT DESKTOP 49 26 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL MASTERCARD DEBIT MOBILE 5 3 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL VISA CREDIT DESKTOP 305 143 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL VISA CREDIT MOBILE 23 12 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL VISA CREDIT TABLET 5 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL VISA DEBIT DESKTOP 5 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL AMERICAN EXPRESS CREDIT DESKTOP 9 4 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL AMERICAN EXPRESS CREDIT MOBILE 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL ELO CREDIT DESKTOP 46 22 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL ELO CREDIT MOBILE 3 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT DESKTOP 582 265 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT MOBILE 33 15 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT TABLET 5 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD DEBIT DESKTOP 13 7 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD DEBIT MOBILE 5 3 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT DESKTOP 268 124 1
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT MOBILE 19 8 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT TABLET 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA DEBIT DESKTOP 3 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL AMERICAN EXPRESS CREDIT DESKTOP 38 6 2
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL AMERICAN EXPRESS CREDIT TABLET 1 0 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL DISCOVER CREDIT DESKTOP 7 0 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO CREDIT DESKTOP 171 27 3
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO CREDIT MOBILE 8 2 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO CREDIT TABLET 2 0 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO DEBIT TABLET 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 4,116 554 307
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 4 0 6
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT MOBILE 157 35 7
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT TABLET 23 5 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD DEBIT DESKTOP 132 34 3
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD DEBIT MOBILE 9 3 3
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT DESKTOP 2,213 274 122
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT DESKTOP 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT MOBILE 60 18 1
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT MOBILE 2 1 0
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT TABLET 19 2 1
2019-06 TEL XXXXXXXXXX Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA DEBIT DESKTOP 9 3 0
2019-06 UNKNOWN Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL DISCOVER CREDIT DESKTOP 0 0 2
2019-06 UNKNOWN Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL ELO CREDIT DESKTOP 0 0 2
2019-06 UNKNOWN Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 0 0 51
2019-06 UNKNOWN Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 0 0 2
2019-06 UNKNOWN Recu
ing Charge Recu
ing charge: BRL 9.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT DESKTOP 0 0 18
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD CREDIT DESKTOP 1 0 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL MASTERCARD DEBIT DESKTOP 2 1 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL29.99 BRL VISA CREDIT DESKTOP 1 0 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL MASTERCARD CREDIT DESKTOP 1 0 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT DESKTOP 2 0 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL34.99 BRL VISA CREDIT MOBILE 1 0 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL MASTERCARD CREDIT DESKTOP 2 0 0
2019-06 BLD*CURRICULO Recu
ing Charge Recu
ing charge: BRL 4.99 for 14 day trial, then monthly recu
ing charge at BRL39.99 BRL VISA CREDIT MOBILE 2 1 0
2019-06 BLD*CURRICULO Recu
ing