Turn Declines
Into Revenue
Not every decline has to equal a churned customer! On average, Pagos customers find the first retry after a decline succeeds 25-35% of the time! Reduce churn and recover customer LTV with an informed retry strategy.
Insights that Identify Opportunities
Bring all your payments data together across processors and use analytic dashboards and AI-powered insights to boost approval rates, optimize costs, and understand your customers
Retry Insights You Can See
Tag retry attempts with custom metadata and use Pagos to visualize success rates across your payment stack. As an independent platform, Pagos provides a clear, unbiased view of what works. Segment outcomes by region, payment method, and card brand to optimize your strategy and recover more revenue with less friction.
Cost Management
The right retry strategy boosts revenue and customer LTV while reducing loss and risk. Balancing recovery potential with processing costs and penalties can be tricky. Pagos’ Cost dashboards show total costs and fees, flag new or spiking charges, and offer tips to cut penalties. Every retry has a cost—don’t retry blindly!
Decline Code Guidance
Not all declines deserve a retry. Pagos helps decode decline reasons for both initial and retried transactions, revealing which issues are recoverable and which are not. Some hard declines signal that retrying will only increase costs. With Pagos, you get the full context to build smart retry rules, avoid unnecessary fees, and protect your approval rate.
AI-Guided Retry Optimization
Let Pagos Copilot help you refine your retry strategy and reduce churn. It synthesizes all your ingested transaction to surface insights like:
Global Account Updater
The best retry strategy in the world only works if you have up-to-date card credentials on file! If a customer’s card expires or is replaced, you need the updated details ASAP.
With Pagos’ Real-Time and Batch Account Updater APIs, you can request updates on failing cards before attempting another retry.
Network Tokenization
Don't just recover failed transactions—prevent declines before they happen! WIth the Pagos Network Tokenization API, replace PANs with secure tokens that stay valid even as card details change. Tokenize with all four major card brands to drive approvals and boost revenue.
Optimize Your Retry Strategy with Pagos
Optimize your checkout, boost approvals, and cut costs with BIN data.