Recover Failed Payments.Rescue Lost Revenue.
VaultRetry analyzes declined transactions and retries them with intelligent timing, recovering revenue that would otherwise be lost — without disrupting checkout.
Recovery Controls That Matter
Smart Decline Analysis
Automatically identify the root causes of declined transactions and apply a targeted recovery path for each issuer code.
Intelligent Retry Timing
Each decline reason gets a retry window so you do not burn the same path twice. NSF, timeouts, and soft declines get different rules.
Controlled Recovery
When the window opens, one retry is submitted with a full attempt log. Nothing fires on a blunt timer.
Audit Trail
Every decline, retry, and recovery outcome is written back so payments teams can see what worked.
Detect. Analyze. Retry. Recover.
Random retries create more declines. VaultRetry recovers failed payments with rules, not a firehose.
The failed payment is tagged by issuer code and tied to the original checkout.
VaultRetry captures the decline against the original order so a later retry is still the same customer payment — not a new checkout. Hard declines skip retry and request a new method instead.
How each decline is recovered
A retry is a decision. VaultRetry waits for a viable issuer window, then submits one recovery attempt.
Declined
142
Waiting on retry window
Retried
38
Submitted this hour
Recovered
27
Approved after retry
Skipped
11
Hard declines, no retry
Frequently Asked Questions
Ready to recover failed payments?
Send a week of decline codes. VaultRetry will show which failures can be recovered, which need a new method, and which should skip retry.
Start Recovering- Intelligent retry timing
- One recovery attempt per window
- Hard declines skip retry
- Full attempt log
- Merchant support