Xelf's Advanced Decline Recovery Features
Our platform is engineered to tackle payment declines head-on. Discover the specialized tools Xelf Processing offers to rescue failed transactions, protect your revenue, and optimize your entire payment lifecycle.
AI-Powered Decline Analysis & Insights
Understand exactly why payments fail. Our AI-driven platform analyzes decline codes, transaction patterns, and issuer responses to provide actionable insights, helping you optimize recovery strategies and prevent future declines.
- Deep dive into granular decline reason codes from various issuers and networks.
- Identify trends in decline types (e.g., insufficient funds, suspected fraud, technical errors).
- Receive recommendations for optimizing payment routing and retry logic based on data.
- Visualize decline patterns through an intuitive analytics dashboard.
- Proactively address issues that lead to high decline rates.
Intelligent Retry Orchestration
Automatically recover a significant portion of soft declines. Xelf's smart retry engine uses customizable logic, optimal timing, and dynamic routing to resubmit transactions when they are most likely to be approved.
- Configure sophisticated retry schedules based on decline reason, card type, and transaction value.
- Leverage machine learning to determine the best time and route for retry attempts.
- Avoid excessive retries that could lead to penalties or poor customer experience.
- Automatically halt retries on hard declines to save on processing costs.
- Track retry success rates and continuously refine your strategies.
Smart Decline Routing & Failover
Don't let a single point of failure stop a sale. If a transaction is declined by one provider, Xelf can intelligently route it to alternative acquirers or payment methods in real-time to maximize approval chances.
- Define cascading routing rules to attempt transactions through multiple providers.
- Prioritize routes based on cost, approval likelihood, or specific business needs.
- Seamlessly failover to backup options during processor outages or connectivity issues.
- Optimize for regional payment preferences and local acquiring.
- Reduce dependency on any single payment processor.
Proactive Card Updater & Network Tokenization
Minimize declines due to outdated or compromised card details. Xelf integrates with card updater services and leverages network tokens to ensure payment information stays current and secure, boosting authorization rates.
- Automatically update expired or reissued card details in your vault via account updater services.
- Utilize network tokens for enhanced security and higher approval rates from participating issuers.
- Reduce declines from common issues like CVV mismatches or address verification failures through tokenization benefits.
- Maintain PCI compliance by keeping sensitive card data out of your systems.
- Improve the customer experience by avoiding payment disruptions due to outdated card info.
Comprehensive Decline Management API
Integrate powerful decline recovery capabilities directly into your existing systems. Our developer-friendly API allows you to submit declines, manage retry logic, and access detailed analytics programmatically.
- Easily send declined transaction data to Xelf for analysis and recovery attempts.
- Configure and control retry strategies via API endpoints.
- Retrieve detailed status updates and outcomes for each recovered transaction.
- Access raw decline data and analytics for custom reporting and integration with BI tools.
- Utilize webhooks for real-time notifications on recovery events.