Set the checkpoints
Feed the card logs into Zahlen. CSV, API and Kafka are all supported.
Payment recovery intelligence
98% credit card payment success is possible.
Zahlen uses card bank responses to give you control in the chaotic world of subscription payments.
Your company has it's own unique fingerprint. The payment processor, the country, the cards, the banks create your own unique combination. Country by country, card by card, bank by bank: Zahlen finds opportunities for payment success.
Credit cards issue guidelines. Banks ignore them. Why do some transactions succeed where others fail when both have an error code? Zahlen provides the deep insight for you to take back control of your subscriptions.
Maximize authorization and approval rates. Minimize customer emails.
Up to 50,000 Subscribers free!
Join TodayNo AI is in use for any purpose.
The only information needed. No PII.
The more you add, the smarter Zahlen becomes.
Download the CSV template for all fields available.
CSV, API and Kafka are all supported.
The Cycle of Success
Read issuer behavior
Observe how each issuer responds over time and store the outcome of every checkpoint.
Retry with discipline
Follow the schedule, update what we learn, and let the system improve with each completed cycle.
Zahlen offers the most comprensive dashboard available. The more data it is fed, the smarter it gets.
Zahlen is precise. bank-level knowledge. Machine learning identifies each bank nuance for success. No black-box AI.
Zahlen is deterministic. No PII, audit-ready. Built from the ground up to satisfy regulatory and accounting review.
Why it compounds
Every completed retry teaches us something about issuer behavior. That learning improves the next retry—and every future payment after that.
Issuer examples illustrate the mechanism. They are not validated performance results.
Better timing.
Smarter retries.
Over time.
Smarter retries.
Over time.
▱Collect outcomesRecord what happens at each checkpoint.
▥Learn patternsIdentify when issuers are more likely to approve.
□Improve timingRefine future schedules using what we learned.
↻Retry with disciplineApply the schedule consistently to every payment.
Security compliance command center
PCI DSS Compliance Command Center
Evidence-driven compliance operations for the completed Zahlen Security Compliance system. This command center summarizes PCI DSS readiness, governance, monitoring, multi-framework readiness, and the customer-facing Trust Center while preserving tenant isolation and the existing JSON readiness payload.
Security ComplianceAgent payment intelligence
x402 Payment Intelligence and Control
Zahlen helps businesses manage payments made by software agents. It checks who is paying, what they want to buy, how much they can spend, and whether the request follows the merchant's rules. It detects repeated payments and unusual activity, tracks whether payment and delivery were completed, and records every step for review. Merchants can use the dashboard to watch activity, investigate problems, and download audit records.
Explore x402