Recovery
Requires Growth tier or above
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
Decline Reasons
Breakdown of why transactions were declined:
| Category | Examples | Action |
|---|
| Soft | Insufficient funds, over limit | Retry later — customer may have funds |
| Hard | Stolen card, account closed, expired card | Do not retry — card is permanently invalid |
| Fraud | Suspected fraud, security violation | Review manually — may be legitimate |
| Error | System error, gateway timeout | Technical 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.
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.
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.
Top Declined Customers
Customers with the most declined transactions, showing whether they eventually recovered (made a successful payment).
