Failed Payments Are a Symptom.
Revaly Treats the Cause.
Most tools only recover revenue after a payment fails. Revaly optimizes transactions upfront to drive higher approval rates and recovers intelligently when declines still occur, managing the full payment lifecycle in one system.
Trusted by subscription and e-commerce businesses processing millions in monthly recurring revenue
Why failed payments keep happening — even when you're doing everything right
Recovery-only tools aren't broken. They're just solving half the problem.
False Declines You Don't See
Your issuing bank is rejecting legitimate transactions because of outdated authorization patterns and incomplete request data. Most businesses never know how many good payments they're losing before recovery even enters the picture.
Retry Logic That's Running Blind
Generic retry schedules treat every failed payment the same. Without behavioral intelligence and full payment lifecycle context, you're retrying at the wrong time, through the wrong channel, with the same flawed request.
No Relationship With the Bank Saying No
Traditional recovery tools work entirely outside the issuing bank's decision. Revaly works with them — sharing trusted transaction data that reduces false declines before they happen.
The result? A ceiling on your approval rates that no recovery-only tool can break through — because the problem starts long before the decline, and recovery alone can't fix what prevention could have stopped.
Payment Performance Management.
Prevention and recovery, engineered together.
Revaly Approval Platform works across the full payment lifecycle — before authorization, after a decline, and at the issuer level.
Three pillars of payment performance.
Explore how Revaly intervenes at each stage of the recurring billing cycle to keep revenue on track.
Legitimate payments often fail before they reach a true approval decision.
Revaly helps clean up the transaction before authorization whenever possible:
- Keep card credentials current.
- Correct incomplete or poorly formatted billing data.
- Structure payment requests for each gateway.
- Add payment history and trust context to the transaction.
Result: More legitimate payments are approved before they become failed payments.
Recovery is reactive. Payment Performance is engineered.
If you came here looking for a failed payment recovery tool, you're asking the right question — you just don't have to settle for half an answer.
| You're trying to fix... | Revaly addresses... |
|---|---|
| Failed payments piling up | The approval rate gap causing them — and intelligent recovery when they happen |
| Involuntary churn | Declines prevented before they trigger churn, recovered intelligently when they do |
| Low recovery rates | Cleaner requests upstream that make recovery more effective downstream |
| Unpredictable authorization rates | An engineered, data-driven approval system across the full payment lifecycle |
The businesses winning on payments aren't just recovering faster. They're preventing more, recovering smarter, and doing both in one system.
What Payment Performance Management actually moves
Through direct issuing bank partnerships via the Revaly Trust Network — prevention that no standalone recovery tool can replicate.
Protect treatments optimize every request before it reaches the gateway — cleaner data, fewer preventable declines from the start.
When declines do happen, intelligent retry logic and adaptive AVS outperform generic recovery tools — and works with better upstream data to begin with.
RTN's Trusted Auth eliminates fraud chargebacks entirely for participating transactions.
Results vary by business, payment mix, and existing approval rate baseline. We'll show you what's realistic for your specific situation in a free payment audit.
Hear from the businesses we work with
Revaly helps recurring-revenue businesses replace blind retries with intelligent payment performance.
A 15% lift in recovered payments.
Adaptive Health used six months of transaction data to identify revenue being lost through failed payments. After partnering with Revaly, the company improved recovery rates by approximately 15% in its first division. Each recovered customer generated approximately three additional billing cycles, extending the value of the recovered relationship.
Up to 35% higher recovery rates across markets.
Immunotec's existing system relied on three fixed retries. Revaly replaced that approach with decline-specific, signal-driven recovery. Recovery rates improved by 20–35% across markets, while recurring approval rates moved above benchmark. Immunotec also reduced payment-related service calls and improved cash-flow predictability.
Additional customer outcomes
100+ integrations (so you don't have to disrupt your current stack).
Connect Revaly to the platforms you already use — from billing and CRM to gateways and processors.
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FAQ
Find out what's suppressing your approval rates.
A free payment audit shows you exactly where your authorization rates are leaking — and what Revaly can do about it.