Payments

    Smart Retries

    Intelligent retry engine that analyzes each decline code with ML and executes the optimal recovery strategy. More revenue, fewer penalties.

    Intelligent Recovery

    Smart Retries

    Each declined transaction is analyzed by ML models that determine whether to retry, when, with what amount and what method. It's not a blind retry — it's a data-driven recovery strategy.

    Dashboard de recovery

    Code 51
    Insufficient funds
    Code 05
    Do not honor
    Code 65
    Activity limit exceeded
    Code 14
    Invalid card number
    Code 51
    Insufficient funds
    Sin Smart Retry

    Retry en 24h mismo monto → declinado

    Revenue perdido ✗

    Con Smart Retry

    Retry en 24h con monto parcial → aprobado

    Revenue recuperado ✓

    Transacción declinada

    Code 51: Insufficient funds

    Análisis del decline code

    ML evalúa historial, emisor y contexto

    Estrategia de retry calculada

    Timing, monto y método óptimos

    Transacción recuperada

    +12%Recovery
    +$2.4MRevenue
    6+ML Models
    0Over-retry penalties

    Custom ROI

    How much revenue can you recover?

    The +$2.4M/year metric corresponds to a merchant with $2M USD monthly processed volume and an average 8% decline rate. Smart Retries recovers approximately 12% of declined volume.

    Monthly processed volume$500K
    $50K$10M
    Average decline rate8%
    2%25%

    Annual recovery estimate

    $40K

    Declined/month

    $5K

    Recovered/month

    $58K

    Recovered/year

    Failure management

    When recovery isn't possible

    Not all declines are recoverable. Smart Retries distinguishes between temporary and definitive rejections, managing each case differently: temporary ones are retried with the optimal strategy; definitive ones are closed with a recommended action for the merchant. The merchant never lacks visibility. Each declined transaction generates a complete record with the system's decision chain: what it evaluated, what it tried and why it stopped.

    Decline classification

    The system identifies whether the decline is recoverable (temporary) or definitive (invalid data, fraud).

    Merchant notification

    Real-time webhook with the decline code, reason and recommended action: retry, request new data or close the case.

    Dashboard record

    Each unrecovered decline is recorded with its complete history: attempts, strategies tried and closure reason.

    Suggested action

    For definitive declines, the system generates a recommendation: data update email, alternative payment method or direct contact.

    Adaptive ML

    Models that learn from your business

    Smart Retries doesn't operate with a permanent generic model. The system starts with a global model trained on millions of network transactions, and progressively builds a specific model for each merchant based on their own decline and recovery history.

    Smart Retries ML model personalization dashboard
    Use cases

    Recover revenue automatically

    Subscriptions

    Recover failed recurring charges with intelligent retries that respect the cardholder and the issuer.

    Ecommerce

    Don't lose sales to temporary declines. Smart retry recovers transactions without the buyer noticing.

    Marketplaces

    Recover failed buyer payments on multi-merchant platforms without impacting the experience.

    Digital services

    Streaming, gaming and apps with recurring charges that need maximum recovery rate.

    Features

    Retries that recover revenue

    ML per decline code

    Models trained with millions of transactions that predict the best strategy for each decline code.

    Intelligent timing

    Calculates the optimal moment to retry: time of day, day of week, cardholder timezone.

    Automatic compliance

    Respects Visa and Mastercard Merchant Advice Codes. Never retries when the network prohibits it. Additionally, respecting MACs improves the merchant's history with the issuer, translating to higher approval rates on future attempts.

    Multi-strategy

    Retry with network token, partial amount, installments, different processor or different time window depending on the case.

    Recovery dashboard

    Recovery metrics by decline code, issuer, country and merchant. Visualize how much revenue you recover.

    Zero over-retry

    Avoids penalties for excessive retries. The engine knows when to stop to protect your approval rate.

    200+ decline codes covered

    Complete coverage of Visa, Mastercard and local LATAM issuer bank codes. Models updated monthly for network rule changes.

    Retry windows per code

    Each decline code has a different retry window: from minutes for technical errors to 72 hours for insufficient funds declines. The engine automatically calculates optimal timing within that window without manual intervention.

    Every decline,
    an opportunity

    Activate Smart Retries and recover revenue that's being lost today.