Issuer-level recovery rate
See which banks recover best for your portfolio and which need a different approach.
Payment recovery intelligence
96% success is real.
Learn more now.
Zahlen reads the decline responses your processor already returns and tells you exactly when to retry each card — issuer by issuer, bank by bank. No new payment rail. No cardholder data.
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See how issuer-level retries work
Two-minute overview. Prefer to read? Jump to how it works or watch on YouTube.
The product
Your processor sees declines.
Zahlen sees patterns.
Every issuer behaves differently — by country, card brand, and response code. Zahlen builds that map for your business and turns it into a retry schedule you can act on.
Retry timing per card
Know when to submit the next attempt instead of running a fixed calendar.
Recovered revenue
Track recovered amount by issuer so finance can see the impact, not just the rate.
The only information we need. No cardholder data.
Zahlen works from your decline log, not from card numbers. Five fields are enough to start:
- Invoice ID
- Country
- Bank
- Card brand
- Response code
No PANs, no CVVs, no customer PII. Invoice IDs stay on your side.
CSV, API, and Kafka are all supported.
From decline log to retry schedule
Export your decline log
Pull 90 days of failed transactions from your processor. Invoice ID, country, bank, card brand, response code.
Zahlen maps the issuers
We learn how each issuer responds over time, per country and card brand, and surface the recoverable patterns.
Retry with discipline
Follow the recommended schedule. Every outcome is stored and improves the next cycle.
Consulting
Let our team at Zahlen do the work.
Increase your success rate
by 3 percentage points or more.
Target outcome, measured against your pre-engagement baseline. Not a guarantee; results vary by portfolio.
One fee, one scope: we review your payment logs, build a custom recovery plan, and work alongside your team until the recommendations are live.
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We review your payment logs
Issuer behavior, decline codes, retry timing, and processor configuration.
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We present a custom report
Recommendations ranked by expected recovery, with the evidence behind each one.
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We sit with your team to implement
We work alongside your payments and engineering teams to put the recommendations into production.
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One free year of the dashboard
Twelve months of the Zahlen Financial dashboard for your portfolio, included.
Security and compliance
Built for PCI DSS review.
Designed to never hold card data.
Zahlen works from issuer response data, so card numbers never enter the system. Each customer’s data is isolated, every action is logged, and outputs are built for audit.
- No PANs, CVVs, or cardholder data
- Tenant-isolated data access
- Audit-ready event logs
- Deterministic rules — no black-box AI
Agent 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.
Read the x402 guide
Go deeper on payment recovery
The Zahlen Financial Companion Guide covers issuer behavior, retry strategy, and the economics of recovery.