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Documentation Index

Fetch the complete documentation index at: https://test-docs.upayments.io/llms.txt

Use this file to discover all available pages before exploring further.

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Recovery

Requires Growth tier or above
The Recovery page analyzes declined transactions to identify revenue recovery opportunities.

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Metrics

  • Total Declines — Count and amount of declined transactions
  • Decline Rate — Declined / total attempted
  • Unrecovered Revenue — Decline amount where the customer hasn’t yet paid successfully
  • Recovery Rate — Percentage of declined customers who later made a successful payment

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Decline Reasons

Breakdown of why transactions were declined:
CategoryExamplesAction
SoftInsufficient funds, over limitRetry later — customer may have funds
HardStolen card, account closed, expired cardDo not retry — card is permanently invalid
FraudSuspected fraud, security violationReview manually — may be legitimate
ErrorSystem error, gateway timeoutTechnical issue — retry immediately
Decline reasons are mapped from NMI’s 200+ response codes. The raw response_text from NMI is preserved and displayed when no standard mapping exists.

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Card Brand Decline Rates

Shows decline rates by card brand (Visa, Mastercard, Amex, Discover). Amex typically has higher decline rates due to stricter fraud rules.

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Unrecovered Declines

Paginated table of declined transactions where the customer has not yet made a successful payment. These are your active recovery opportunities — reach out to the customer or retry the payment.

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Top Declined Customers

Customers with the most declined transactions, showing whether they eventually recovered (made a successful payment).