Retain Capital
Intelligently distinguishes recoverable payment declines from permanent failures.
Retain Capital's engine combines supervised machine learning, issuer-level intelligence, and a proven business rules layer to decide which failed payments are worth resubmitting and how.
Machine learning trained on real recovery outcomes.
We use supervised machine learning with classification methodology to draw conclusions from previous successful resubmissions and apply that knowledge to future declines. That beats retrying every failed transaction the same way and hoping issuers respond differently.
Classification-based scoring
Each declined transaction is scored on its likelihood of successful recovery using patterns learned from prior outcomes across the portfolio.
Chargeback-aware risk modeling
Recovery decisions weigh chargeback risk alongside approval likelihood. Resubmissions protect revenue without inviting disputes.
Optimized timing
Resubmissions are timed against issuer behavior rather than fired on a fixed retry schedule. This improves approval odds while avoiding unnecessary attempts.
Automated refunds handling
Refund logic is built into the same engine. Recovered-but-reversed transactions are handled correctly without manual intervention.
Presentment optimization
Intelligent data enrichment and transaction optimization maximize approval rates on every retry using recovery techniques that stay fully compliant with card network rules.
Cross-Merchant Decline Intelligence™ (CMDI)
We've seen this decline before. You haven't. We have.
Retain Capital doesn't just read the decline code your processor hands back. Our models draw on decline patterns observed across merchants, issuers, and networks, so a "soft" decline on your platform gets treated the way that issuer's decline codes actually behave in aggregate, not the way one merchant's history alone would suggest. That's the difference between retrying blind and retrying with intelligence.
Issuer-level data that tells us when and where to attempt a retry.
Our bank identification number (BIN) database tracks issuer-level approval behavior and is updated continuously. Resubmissions are routed with the context of how a given issuer actually responds to retries, not treated as a one-size-fits-all retry loop.
A REST API your engineers can integrate in days.
No new payment flow, no processor migration, no long implementation project.
- REST API with JSON payloads for submitting declined transactions and reading results.
- Real-time status updates as transactions move through analysis and resubmission.
- Works alongside your existing payment gateway and billing system: no migration required.
- Compatible with major processors, including Chase Paymentech, CyberSource, Qualpay, and TSYS.
Built on infrastructure that takes payment data seriously.
PCI DSS Level 1 certified
The highest level of certification in the payments industry, reserved for providers handling the largest volumes of card transactions.
Encrypted in transit and at rest
Transaction data is encrypted end-to-end. Key management is handled through managed cloud infrastructure.
Multi-tenant isolation
Every merchant's data is logically separated and access-controlled by organization with role-based permissions throughout.
Cloud-native reliability
Built on managed cloud infrastructure with redundant queuing. A spike in declines never becomes a bottleneck.
Have your engineering team look under the hood.
We're happy to walk your team through the API docs, data flow, and security model before you commit to anything.