Stop_all_recurring declines tell a very clear story: a cardholder cancelled their subscription by instructing their issuer to block all future charges. With Pagos Insights, you can closely monitor transactions with this decline code to:

Identify and segment these customers for tailored re-engagement

Adjust retry logic to avoid wasting time and money on unnecessary attempts

A/B test solutions for retaining customers and measure the results in real time

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BIN

Smarter Subscription Rules with BIN Intelligence

Identify card types, banks, or BINs tied to churn or failed payments. Blocking risky BINs or guiding customers to more reliable methods can cut retry costs, reduce churn, and improve the customer experience.

The Pagos BIN Database gives you direct access to standard and enhanced BIN-level data, so you can:

Identify which issuers or card types drive the most involuntary churn

Build proactive rules into your signup flow to prevent future payment issues

Tailor retry logic or Account Updater strategies based on issuing bank behavior

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Network Tokenization

Secure Network Tokens

Prevent involuntary churn by reducing the chance of failed transactions in the first place. Network tokenization replaces sensitive card details with a secure token that stays up to date—even when a customer’s card is reissued.

Fewer declines from expired or replaced cards

Higher approval rates across recurring/card-on-file payments

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Account Updater

Always Fresh
Stored Credentials

When a customer’s card expires or gets replaced, that shouldn’t result in a cancelled subscription. But without up-to-date credentials, recurring payments can quietly fail—leading to involuntary churn and lost revenue. With our global Account Updater solution, you can update card credentials at checkout or request batch updates of your most valuable customer segments.

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Customers