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+18%
Approval rate lift on average
40+
Native processor integrations
-28%
Chargeback reduction
$8.4B
Processed annually
Smart Routing

Every transaction goes to the processor most likely to approve it.

Our routing engine evaluates over 40 signals per transaction in real-time — BIN country, card brand, merchant category, processor health, time of day, velocity patterns — and picks the optimal MID. When one declines, we cascade to the next, instantly.

  • Route by BIN, country, amount, card brand, or custom logic
  • Automatic failover when a processor degrades
  • Cascade retries across up to 6 processors per transaction
  • ML-powered approval prediction trained on 240M+ transactions
Stripe · US-EastRouting 58% · Approval 94.2%
NMI · US-CentralRouting 32% · Approval 91.8%
Authorize.Net · FallbackRouting 8% · Approval 89.1%
Auto-failover activeBraintree routing 2%
Decline Recovery

Recover 62% of soft-declined transactions automatically.

A declined transaction is almost never truly dead. Our cascade engine retries intelligently across processors, adjusts retry timing by decline code, and uses ML to predict the optimal second-attempt processor — before the shopper even notices.

  • Real-time retry waterfall for soft declines
  • Intelligent retry timing — minutes, hours, or days based on decline reason
  • Separate strategies for one-time orders vs. subscription renewals
  • Account updater integration keeps stored cards current
Declined · insufficient_fundsRetry scheduled in 72h
Retry attempt #2 · NMIApproved · +$89.00 recovered
Recovered this month$184,290 across 2,104 retries
Account Updater active3,820 cards refreshed this week
Fraud & Chargebacks

Block fraud. Prevent chargebacks. Win the ones that happen.

Every transaction is scored by our fraud engine in under 50ms. Suspicious activity is blocked before processor fees. Confirmed chargebacks are automatically contested with evidence packages — winning 3x more than manual disputes.

  • ML fraud scoring trained on $8B+ of merchant data
  • Configurable velocity rules, device fingerprinting, BIN intelligence
  • Ethoca & Verifi alerts resolve disputes before chargeback
  • Automated chargeback representment with compiled evidence
Fraud shield143 threats blocked today
Ethoca alert · pre-disputeRefunded automatically · saved $124 chargeback
Chargeback wonEvidence package auto-compiled
Win rate this month68% · 3x industry average
Processors

Connect the ones you love. Add more as you scale.

40+ native integrations. One API. No more processor-specific engineering.

SStripe
PPayPal
NNMI
AAuthorize.Net
BBraintree
AAdyen
CCheckout.com
WWorldpay
EElavon
PPaysafe
CWCybersource
+29more
See all integrations →

Stop leaving revenue on the table.

See how much you'd recover in declines, prevent in fraud, and win back in chargebacks — with a 30-minute demo and your real numbers.

Book a Demo See pricing