feat(finance): payment market breakdown skill

[bendaley]

What this skill does

Analyzes payment performance by market and card type using only the Fluid payments API. No database, no cloud-sql-proxy — just fluid switch <Company> and run.

Job to be done: "Show me where my payment performance breaks down by market and card type, quantify the blocked revenue, and tell me what to do about it."

Output

• Overall approval rate, blocked revenue, refund rate
• Per-group table: currency × card_network × country with approval %, blocked revenue in local currency
• Flagged combos (approval < 80% or >10% of total blocked revenue) with a specific recommendation per combo
• Expansion callout: what this report could show with order + subscription linkage

Why it's differentiated from company-payment-report

company-payment-report does individual decline forensics (ISO codes, AVS/CVV, issuer names) from the production DB. This skill answers a different question: which card × market combinations are systematically underperforming, and what is that costing? It's a strategy question, not a support ticket.

What I'd add with proper order + subscription linkage

• Which products have the highest payment failure rates (high-value items declining more suggests a fraud filter, not a card problem)
• Subscription MRR sitting on underperforming card types — quantify churn risk before it happens
• Customer LTV by card type and market — if Amex customers are worth 2x, their approval rate is worth optimizing
• Retry success rate — of declined transactions, which were later recovered via dunning

How to verify

fluid switch "<Company>"
# run /payment-market-breakdown in Mist
# run /payment-market-breakdown days=7 min_txns=2

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