ripper

Explainable Declines

Translate opaque decline codes into friendly explanations and instant recovery plays.

Sample codes
Merchant copy

Issuer refused the transaction without details. Try a different acquirer or 3DS; consider BIN routing.

Customer copy

Your bank didn’t approve this payment. Try another card or payment method.

Decline uplift sim
Projected recovery with copilot
+8.1%

Issuer soft decline recovered by routing through PSP-B, pairing network tokens, and sending a calm SMS to the shopper.

Shopper

My card was rejected with a do_not_honor message. What do I need to do?

Copilot

We refreshed the token with your bank and opened Apple Pay as a one-tap fallback. Try again now or switch to the wallet option.

Automation timeline
  • 00:10 - Token refresh
    Swap to network token and re-route to PSP-B.
  • 00:30 - Shopper assist
    Send SMS with retry link and wallet fallback.
  • 01:20 - Confirmation
    Approve final charge and archive incident.
Issuer telemetry

Live BIN intelligence + the exact playbook Copilot is executing this minute.

Live declines
12.3%

Barclays UK soft declines in past 60 min

Wallet fallback usage
28%

Share of retries completing via Apple Pay

SMS response
64%

Shoppers that click the retry link

Issuer / BINDecline %Best windowCopilot play
Barclays UK
4456-44
12.3%08:00-18:00 BSTPrefer PSP-B with network tokens + Apple Pay fallback.
BNP Paribas FR
4973-18
9.8%09:00-22:00 CETRetry via Smart Routing v2, add soft descriptor change.
Chase US
4532-00
7.2%12:00-03:00 UTCHold for 60 sec then reattempt with wallet or PayPal.
Copilot console
  • Issuer outreach
    2 min

    Push token refresh + fraud notes to Barclays via API.

  • Customer comms
    45 sec

    Send calm SMS with one-click retry & Apple Pay link.

  • Routing tweak
    Instant

    Shift BIN 4456 traffic to PSP-B until rate <4% for 30m.