> ## 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.

# Recovery

> Decline analysis and revenue recovery opportunities

# Recovery

<Note>Requires Growth tier or above</Note>

The Recovery page analyzes declined transactions to identify revenue recovery opportunities.

## 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        |

<Tip>
  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.
</Tip>

## 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).