AI data analyst for fintech teams
Approvals fell 1.4 points. You know why before 10:00.
Approvals and chargebacks on one board. Bruin flags what moved.
Payments health
September to date · all merchants
- TPV
- €140M
- +6.2%
- Approval rate
- 94.1%
- −0.1 pts
- Chargebacks
- 0.38%
- +0.03 pts
- Net take rate
- 0.61%
- +0.01 pts
Approval rate, last 12 days
Approval fell to 92.8% yesterday. Almost all EU cards, from 14:20.
adyen.payments + stripe.charges + ledger.fees · refreshed 07:00
Trusted by forward-thinking teams
Ask it anything
Ops review at 10. Root cause by 9:17.
Your numbers
Defined once. Used in every answer.
- Approval rate
authorised_payments / attempted_payments- 3DS success rate
authenticated / authentication_attempts- Chargeback rate
chargebacks / settled_card_transactions- Fraud rate
fraud_value / tpv × 10000- Settlement lag
avg(bank_credit_date − capture_date)- Net take rate
(fee_revenue − interchange − scheme_fees − processor_fees) / tpv
From a CFTC-regulated exchange
“If something crashes, I have a root cause analysis done in 15 minutes and can act on it right away. A single investigation can go all the way to the root, rather than stopping at a table someone else owns that we know nothing about.”
Adam MusialVP of Analytics, ProphetX- runs all data and analytics
- 1 person
- idea to production data source
- Month → 1 day
- more pipelines, same headcount
- 3x
Built on the Bruin platform
Every number, traced to its source.
Sources
DatabasesWarehousesApps & APIsFiles & storageStreams & webhooksWeb scrapingMove
Data IngestionSecurity & compliance
Enterprise-grade security.
Bruin Data Limited is ISO/IEC 27001:2022 certified by Prescient Security and SOC 2 Type 2 attested.
- Role-based accessGranular permissions, scoped per channel and team
- Audit logsComplete activity tracking
- Single sign-onSAML 2.0 and OAuth
- EncryptionAES-256 at rest and in transit
- Private linksVPC peering support
- Data residencyGDPR compliant
- Access controlsIP allowlisting
- Two-factor authAn extra layer on every login
Frequently asked
Questions from fintech teams.
How do I know Bruin’s payment approval rate is right?
Every answer shows the query and sources, and column-level lineage traces each figure back to the processor or ledger table. Approval, chargeback and fraud rates have one definition, tested on every run.
Which payment and banking sources does Bruin connect to?
Stripe, Adyen, PayPal, Square, Primer, GoCardless, Plaid, Wise, NetSuite, Xero, QuickBooks, your ledger database and bank files over SFTP or S3, plus thousands more through APIs.
Can Bruin reconcile our processor, ledger and bank data?
Yes. Processor settlements, your ledger and bank files sit in one model, so each payment can be matched from capture to bank credit, with a check that flags what didn’t settle or doesn’t match.
Can Bruin alert us when approval rates or 3DS success drop?
Yes. Set a rule, like EU 3DS timeouts above 2%, and Bruin checks it every 15 minutes, posts in #payments-ops and tags whoever owns it.
Can Bruin send a daily payments brief or a month-end pack?
Yes. Schedule a morning brief on TPV, approvals, chargebacks and settlement lag, or a PDF pack for month-end close. Every figure links to its query.
Does Bruin need access to our production database?
No. It loads from read replicas, exports or incremental loads, so nothing touches your primary database.
How much does Bruin cost, and is it per seat?
Bruin Cloud is free to start: $100 in credits and 50 AI tasks, no credit card. After that, compute is billed per second (about $2.50 an hour for SQL, $10 on a standard instance) and AI tasks cost $1 to $3 each, depending on complexity. Committed-use discounts lower the rate as usage grows. No seats. VPC or on-prem: book a demo.
Can Bruin run in our own VPC?
Yes. Bruin runs in Bruin Cloud, your own VPC on AWS, GCP or Azure, or on-premises, with private connectivity to your sources. You pick the region your tenant runs in, EU included.
Who can see card and customer data in Bruin?
Only the roles you set, scoped per workspace, project and asset, with SSO and SCIM on enterprise plans. Tag a sensitive column like card_last4 once, and lineage shows everywhere it goes.
Does Bruin keep an audit trail we can show auditors?
Yes. Audit logs record queries, asset changes, access and admin actions, including the queries behind every AI answer. Changes to pipelines and metric definitions are commits in your own Git repo.
Does Bruin use our payments data to train AI models?
No. Your data never trains any model, ours or a third party’s. The AI reads schema and metadata, runs SQL in your warehouse, and calls models only through enterprise endpoints with no-training agreements.
Is our payments data safe with Bruin?
Bruin is SOC 2 Type 2 attested and ISO/IEC 27001:2022 certified. Data is encrypted with AES-256 at rest and TLS 1.2 or newer in transit, and the SOC 2 report is available under NDA.
Know why approvals moved before the review starts.
A demo walks through your own data.
$100 in credits and 50 AI tasks. No credit card.