# 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.