Recoverable Declines

Soft Declines Are Temporary Problems

Soft declines account for 65% of all payment failures, and nearly all of them are recoverable with the right timing. Slicker's AI identifies the optimal retry window for each customer, turning temporary setbacks into successful payments.

65%
Of all payment failures
78%
Average recovery rate
3 days
Typical recovery window
Millions+
Transactions analyzed monthly

Understanding Soft Decline Types

Soft declines share one thing in common: they're temporary conditions that will change. The key is knowing when to retry. Different decline reasons require different timing strategies.

0% 20% 40% 60% 80% 0 D 1 D 2 D 3 D 4 D 5 D 6 D 7 DAYS AFTER DECLINE 70% 72% 68%
Do Not Honor
Insufficient Funds
Velocity Limit

Why Basic Retry Fails

Fixed-interval retries (every 3 days, etc.) ignore the underlying cause. Retrying "insufficient funds" on a random schedule has only a ~58% success rate. Timing matters.

Generic retry: ~58% recovery

Why Slicker Works

We analyze payment patterns, geographic pay cycles, card type behaviors, and historical success data to predict the exact optimal retry window for each customer.

Smart retry: 78% recovery

Recovery Strategies for Every Soft Decline

Each soft decline type requires a tailored approach. Here's how Slicker handles the most common scenarios.

+34% success

Pay Cycle Awareness

Our AI detects when customers typically have funds and schedules retries accordingly. Most recovery happens 1-3 days after typical payday patterns.

76% recovery

Velocity Limit Handling

When cards hit spending velocity limits, we wait for the optimal reset window before retrying. Simple but often overlooked by basic retry systems.

92% accuracy

Network Signal Intelligence

We listen to card network response codes, including Mastercard recommendation signals, to determine the right action: retry, wait, or route differently.

+12% additional

Intelligent Dunning

If smart retries don't succeed within 7 days, we automatically engage email recovery with personalized messaging and easy card-update flows.

Complete Payment Recovery

Explore our other products to maximize your payment recovery.

Smart Retries AI-Powered Optimization
For every failed payment, we answer three questions: whether to retry, when to retry, and how much to retry. Our ensemble of machine learning models reads network-level messages, gateway error codes, and customer behavioral signals.
Individual failure processing
Built in industry heuristics
Automatic multi-gateway selection

Dunning Emails Hyper-Personalized Messaging
No unnecessary emails - we only reach out when customer action is the only path to recovery. Each message is tailored to the failure reason, sequence stage, and required action.
Tailored to failure reason and required action
Payment links direct to your website
Continuously optimized based on engagement

Evaluation Unrivaled Transparency
Every vendor claims impressive recovery rates - but we actually prove it. We run rigorous AABB testing, the same crossover methodology used in clinical drug trials, to guarantee statistically significant results.
Clinical-grade AABB testing eliminates biases
Test design tailored to your business
Runs on autopilot in your existing system

1M
Recovered payment failures
20%
Recovery rate uplift
<5min
Time to go live
SOC 2 in progress
Enterprise-grade security
Global coverage
Stop the revenue leak

Never Worry About Payment Failures Again

Retain your customers with the best-in-class AI payment recovery platform. Guaranteed ROI with success-based pricing.