Customer story
$100k+
recovered every month.For Pudgy Penguins, with Paymend.
Prod.
RECOVERY ENGINE
Turn failed
payments into
revenue.
Recover the payments your existing stack leaves behind. More intelligence. More revenue. No extra checkout steps.
Book a demo
Your checkout. Paymend in the background.
#1048
$100.00
Payment declined
Sent to Paymend
Illustrative recovery
“Adding Paymend to our stack allowed us to automatically recover failed transactions, bringing back over $100K monthly in lost revenue for Pudgy Penguins.”
01 The recovery engine
One engine.
A better next action.
Recover eligible checkout failures with Intelligent Retry. Find a better moment for recurring payments with Payment Alerts.
CHECKOUT RECOVERY
Better timing.
Richer issuer messaging.
Give a good payment a better chance. Our models assess payment signals, enrich the information sent to the issuer, and select the next eligible retry.
Explore checkout recovery
RECOVERY ACTIVITY
Order #1048$100.00
01
Payment signals assessed
02
Context considered
03
Retry timing selected
Outcome returned$100.00
ILLUSTRATIVE FLOW
Eligible payments only. Available data, supported connections and your rules determine the action.
NETWORK SIGNALS
A better signal.
A smarter moment.
For eligible recurring payments declined for insufficient funds, signals from the card networks tell us when funds are more likely to be available. Paymend retries automatically.
Explore Payment Alerts
Subscription #1048$100.00
01
Insufficient-funds decline received
02
Card-network monitoring active
03
Payment Alert received
Automatic retry triggered$100.00
ILLUSTRATIVE FLOW
For eligible recurring payments. Monitoring for up to 30 days where supported; network coverage is expanding.
PARTIAL AUTHORIZATION
A small shortfall.
A sale worth saving.
You set the minimum you’re willing to accept. Where supported, Paymend collects an approved amount that meets it and closes the bill under your agreed rule.
Build your recovery plan
RECOVERY ACTIVITY
Order #1048$100.00
01
Original bill: $100.00
02
Your minimum: $60.00
03
Issuer approves: $70.00
$70 collected. Bill closed.$70.00
ILLUSTRATIVE FLOW
Minimums are before fees. The remaining $30 is waived under the agreed rule. Below the minimum, collect nothing and release any hold.
INTELLIGENT ROUTING
The same payment.
A better path.
Different connections can produce different outcomes. Paymend chooses an eligible payment path with a better expected chance of approval.
Build your recovery plan
RECOVERY ACTIVITY
Order #1048$100.00
01
Payment and available paths assessed
02
Eligible connection selected
03
Payment submitted
Payment approved$100.00
ILLUSTRATIVE FLOW
Eligible connections only; the illustration is not a fixed sequence of retries or a guaranteed outcome.
AUTOMATIC CARD UPDATES
New card details.
The same customer.
An expired or replaced card shouldn’t end a good customer relationship. Where supported, refresh available card details before trying the payment again.
Build your recovery plan
RECOVERY ACTIVITY
Order #1048$100.00
01
Outdated card details detected
02
Available update received
03
Payment retried
Payment recovered$100.00
ILLUSTRATIVE FLOW
Updates depend on the card, issuing bank and processing connection.
02 Live checkout recovery
The checkout fails.
The sale doesn’t
have to.
Recovery begins while your customer is at checkout, then continues in the background for up to 12 hours. Better information. Enhanced issuer messaging. Another chance to complete the sale.
- No extra checkout steps
- A clear outcome within 12 hours
- Your customer stays in control
18%
of eligible checkout failures
recovered on average1
THE CUSTOMER EXPERIENCE
YOUR STORE Secure checkout
Your payment
was declined.
Try again or use another card
to complete your order.
Order #1048$100.00 USD
Automatic retry is scheduled
We’ll retry your $100 payment within 12 hours and email you the result. You can leave this page.
If payment isn’t collected within 12 hours of your first attempt, your order will be cancelled.
This card was
declined again.
Use another card
to complete your order.
Order #1048$100.00 USD
No automatic retry is pending.
If payment isn’t collected within 12 hours of your first attempt, your order will be cancelled.
Let’s try
another card.
Your scheduled retry has been cancelled.
Complete your purchase below.
Order #1048$100.00 USD
Card ending in 4242Example payment method
No automatic retry is pending.
Checking your payment.
Please keep this page open.
This will only take a moment.
Order #1048$100.00 USD
Automatic
retry stopped.
We won’t retry this payment.
You can still pay with another card.
Order #1048$100.00 USD
Your queued retry has been cancelled.
If payment isn’t collected within 12 hours of your first attempt, your order will be cancelled.
RECOVERY IN PROGRESS
We’re on it.
We’re working to complete your payment.
No need to wait here.
Order #1048$100.00 USD
Order received
Your purchase is ready to complete.
Automatic retry scheduled
Within 12 hours of your first attempt.
We’ll email you the result
One clear update when we’re done.
If payment isn’t collected within 12 hours of your first attempt, your order will be cancelled.
PAYMENT SUCCESSFUL
You’re all set.
Your payment went through.
Your order is confirmed.
ORDER #1048 Paid
$100.00 USD
- Payment
- Completed
- Order status
- Confirmed
A receipt has been sent
to your email.
Powered by
Interactive demo. No payment is processed.
1 Paymend-reported historical average for eligible checkout recovery. Results vary. Retry permission is agreed upfront. Trying either payment option cancels the queued retry first; manual retries remain subject to supported connections and eligibility.
A better moment
to recover.
A failed renewal doesn't have to become a lost subscriber. Paymend uses supported card-network signals to identify a more promising moment to retry—then handles eligible recovery automatically.
Recurring payments
Insufficient funds
33%
reported average retry success
after a Payment Alert2
PAYMENT DECLINED
Insufficient funds
Payment held as pending
MONITORING
Watching for a better moment
Card-network monitoring · up to 30 days
SIGNAL RECEIVED
A retry opportunity detected
Payment Alert received from the network
RECOVERY TRIGGERED
Eligible retry. Result returned.
Paymend handles eligible recovery automatically
Less guesswork. No added customer effort.
2 Retry success after an alert under current live coverage, as reported in the Paymend Payment Alerts brief. Eligible recurring payments only; network coverage is expanding. Illustration is not a guarantee of available funds.
04 The opportunity
You earned the customer.
Now recover the revenue.
See what a little more recovery could mean for your business. Start with your own numbers.
Based on total attempted payment value per month. Illustrative gross collections before fees, refunds and disputes. These are combined engine scenarios, not additive product rates or guarantees.
05 Built around your business
Your stack.
Our intelligence.
More recovered.
One handoff starts recovery. Your system stays informed while Paymend works in the background.
01
Connect your stack
Send each failed payment once. Keep payment and order statuses in sync.
02
Set the recovery rules
Choose supported tools, agree customer permissions and define when recovery stops.
03
Measure the net uplift
Track additional revenue after fees, refunds and disputes. Prove the value, then scale.
Paid elsewhere or cancelled? Stop the queued retry and keep every system aligned.
$200M+
Recovered for merchants
$50M+
Declined volume processed monthly
100+
Customers on the platform
A FEW MORE DETAILS
Good questions. Clear answers.
Our provider already retries. What does Paymend add?
Keep your existing retries. Paymend works on eligible payments still left unpaid, using richer issuer information, supported payment paths and network signals for recurring payments. The measure of success: additional revenue beyond your current recovery process.
Do we need to replace our payment provider?
Paymend works alongside your existing payment and recovery process. Send eligible failed payments to the recovery engine and receive the outcome back. The pilot defines the connection, supported tools and how your systems stay in sync.
Does the customer need to do anything?
Recovery can continue without extra checkout steps. For delayed checkout recovery, retry permission is agreed upfront and customers can try another card or stop the retry. Payment Alerts work in the background for eligible recurring payments.
What happens if a payment is still unpaid after 12 hours?
In the illustrated checkout flow, the order is cancelled if payment has not been collected within 12 hours. If the customer stops, pays elsewhere or tries another card, the queued retry must be cancelled first. Payment Alerts have a separate monitoring window for recurring payments.
Which recovery tools are included?
The Recovery Engine brings together Intelligent Retry, Payment Alerts, Partial, Routing and Update. The right setup depends on your payment mix, issuing banks and supported processing connections. We agree the recovery rules with you before launch.
Are the recovery numbers guaranteed?
No. The 18% checkout figure is a Paymend-reported historical average for eligible payments. The 33% Payment Alerts figure is reported retry success after an alert under current live coverage. They measure different payment groups and should not be added together. Results depend on the merchant, payment mix and supported tools.
There’s more revenue
in your failed payments.
Let’s find it. We’ll review your declines and shape a focused recovery pilot.
Let’s talk recovery
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