Every failed payment
is a second
chance to recover.
Intelligent routing across 40+ PSPs. When a transaction fails, Smart Cascade retries through the optimal next provider — in milliseconds, automatically, with full decline-code awareness.
One transaction.
Multiple chances to succeed.
Transaction arrives
Every payment hits Serixo first. We enrich it in real time with risk score, card BIN, issuer country, and historical PSP performance — before routing begins.
<5ms enrichmentAI picks the best PSP
Our routing model scores every active provider using 60+ signals: card BIN, approval rate by card type, current PSP latency, outage status, and your cost preferences.
60+ routing signalsFailover in 180ms
If the primary PSP declines, Smart Cascade reads the decline code and routes to the next-best provider — in under 180ms. Soft declines retry. Hard declines stop — protecting your chargeback ratio.
Decline-code awareModel learns & improves
Every outcome — approved, declined, or recovered — updates routing weights in real time. PSP scores adjust automatically. Approval rates improve without any manual configuration.
Self-improving model40+ PSPs.
One integration.
Connect once to Serixo and get instant access to every provider we support — one integration, minimal additional engineering.
Soft decline today.
Recovered in 180ms.
Many soft declines are recoverable. Smart Cascade distinguishes soft from hard declines — and retries automatically.
Routing that thinks,
not just switches.
One integration.
Every PSP.
Integrate once with Serixo's payment API. We handle routing, failover, retry logic, and settlement — eliminating direct PSP SDK management.
- Single endpoint replaces all PSP integrations
- Routing decision returned with every API response
- Works with Risk Scoring & Policy Engine together
- Async webhook on recovery with full cascade trace
// Single call — routing + failover handled for you const result = await serixo.cascade.charge({ amount: 24700, currency: "EUR", customer_id: "usr_9f2a1c", payment_method: "pm_card_4242", strategy: "max_approval", });
Turn failed payments
into recovered revenue.
Connect your first PSP in under 2 hours. We'll route your live traffic, show you exactly where you're losing approvals, and prove recovery lift — before you commit.
No credit card · First PSP live in 2 hours · Zero lock-in