Abstract: Systems and methods for optimizing filters for processing electronic services between end users are disclosed. In an embodiment, a computer system accesses scores corresponding to historic user actions. A first cutoff value and second cutoff value are determined for branches of a tree. A precision score for branches of the tree is calculated based on a number of historic user actions having chargebacks in relation to a number of historic user actions captured by the cutoff values of the branch. The computer system identifies a branch having a greatest precision score. The computer system determines that a threshold, defined by the first cutoff value and the second cutoff value for the identified branch, when used in a processing rule for a user account, changes a performance metric by a threshold amount. The computer system generates a recommendation for the user account to adjust a filter for the processing rule to use the threshold.