Don’t leave revenue on the table. Route.
Turn declines into captured revenue with our optimization engine that automatically directs each transaction down the highest-performing path so you never leave money on the table.
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35%
Average increase in acceptance rates
1 config
Manage routing, tokens, and monitoring in one place
2 in 3
Failed requests recovered via smart fallbacks
How it works
Connect once, then route, recover, and optimize every payment automatically.
Connect your payments stack
Route and optimize each transaction
Recover, monitor, and improve
Solutions that capture more revenue from every payment
The core features that help you recover revenue you’re already generating but losing through failed payments.
Intelligent payment routing
Route every transaction through the best-performing provider based on real-time data, custom rules, and performance signals.
Higher approval rates
Automatically send each payment to the provider most likely to approve it.
Smarter decisions
Route transactions based on location, card type, value, and risk signals.
Full control
Set and adjust routing rules to match your business needs.
Automatic failover and retries
When a payment fails, it’s automatically retried through another provider to recover the transaction in real time.
Save lost payments
Recover revenue you’re already generating but losing to failed transactions.
Transparent recovery
See exactly how each retry performs and where it succeeds.
Behind the scenes
Retries happen instantly in the background, ensuring a seamless checkout experience.
Conversion-focused checkout optimization
Recover more payments with smart checkout logic that guides users, prevents errors, and adapts in real time.
Fewer user errors
Automatically detect card details, validate inputs, and prevent common mistakes that lead to failures.
Recover declined payments
Show clear, context-aware messages and guide customers to retry without starting over.
Capture partial revenue
Approve available funds and complete payments even when the full amount isn’t available.
Network tokenization for higher approvals
Use network tokens to improve authorization rates and deliver a smoother experience for returning customers.
Higher success rates
Increase approvals across providers with trusted network-level tokens.
Seamless repeat payments
Enable a faster, one-click payment experience for returning users.
Work across providers
Use tokens consistently across your payment stack without being tied to a single provider.
Real-time monitoring and insights
See exactly how your payments perform across providers, with real-time data, detailed breakdowns, and full visibility into every transaction.
Full performance visibility
Track approval rates, declines, abandonments, refunds, and disputes in real time across all providers.
Smarter optimizations
See exactly where customers drop off, from checkout to payment failure, and optimize accordingly.
All data in one place
Understand exactly how each provider and payment route performs.
Use cases
Recover failed payments automatically
Problem: Payments fail due to provider issues, declines, or temporary errors, resulting in lost revenue you’ve already earned.
Solution: Automatically retry failed transactions across multiple providers in real time. Recover payments and turn declines into completed sales.
Increase approval rates across markets
Problem: Approval rates vary by provider, geography, and payment method, leading to inconsistent performance and lost revenue.
Solution: Route each transaction through the best-performing provider based on real-time data, improving approval rates across regions and payment types.
Identify and fix hidden revenue leaks
Problem: You don’t know exactly why payments fail or where revenue is lost across your payment flow.
Solution: Get full visibility into approval rates, decline reasons, and drop-off points to quickly identify and resolve issues.
Continuously optimize payment performance
Problem: Payment performance changes over time, but static setups make it hard to adapt and improve.
Solution: Test, monitor, and adjust routing strategies in real time to continuously improve approval rates and overall performance.
Go beyond Optimization
Payments
Accept and process payments globally with a flexible checkout, multiple providers, and support for local payment methods.
Protection
Protect your revenue with a built-in risk engine, smart fraud detection, and automated dispute tools that reduce chargebacks and keep payments secure.
Treasury
Simplify your financial operations with unified settlement, automated reconciliation, and full visibility across providers, currencies, and accounts.
Frequently asked questions
Yes. Pay.com is provider-agnostic, you can bring your existing acquirers, PSPs, and APM connections into the orchestration layer and use Pay.com purely to route, tokenize, and report across them.
Yes. One integration with Pay.com gives you access to every connected acquirer, processor, and APM. You can switch acquirers, add new ones, or change routing logic at any time without re-integrating.
You can route by issuer country and BIN, card scheme, card type (credit, debit, prepaid), transaction amount, currency, MCC, customer attributes, risk score, and provider performance. Rules can be combined, prioritized, and updated through the dashboard with no code changes.
Our routing engine analyzes each transaction's characteristics, issuer country, card type, amount, currency, risk score, and historical performance, then sends it down the path most likely to succeed at the lowest cost. Decisions happen in milliseconds and are continuously refined by live performance data.
Have more questions? Get all the answers.
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