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Smart Cascade

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.

See recovery in action View all providers
+18%
Avg. approval rate lift
40+
PSP integrations
180ms
Avg. failover latency
serixo — smart cascade · live routingLive
0
Routed today
0
Recovered
—
Success rate
€0
Revenue saved
Current transaction
—
Waiting...
Stripe97.2%
Adyen96.8%
Checkout.com95.4%
Worldpay94.1%
Result
—
Processing
Transaction log
Approval lift
+18%
Average approval rate improvement across all verticals
Revenue recovered
€2.1M
Monthly avg. recovered revenue per enterprise client
PSP integrations
40+
Pre-built connectors, live in hours not months
Failover time
180ms
From decline detected to retry on next provider
How it works

One transaction.
Multiple chances to succeed.

01

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 enrichment
02

AI 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 signals
03

Failover 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 aware
04

Model 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 model
serixo — cascade trace · \u20ac247.00 · usr_9f2a · recovered in 257ms
✓ Recovered
€247.00
payment
① ENRICH
<5ms · 60+ signals
SERIXO
AI router
picks PSP
Stripe✗ 84ms
Adyen✗ 61ms
Checkout.com✓ 112ms
Approved
257ms total
Attempts3 providers
Total latency257ms
Decline codesdo_not_honor · insufficient_funds
Status✓ Recovered
Supported providers

40+ PSPs.
One integration.

Connect once to Serixo and get instant access to every provider we support — one integration, minimal additional engineering.

#1
Stripe
Success rate: 97.2%
Latency: 82msCost: 1.4%
#2
Adyen
Success rate: 96.8%
Latency: 91msCost: 1.2%
#3
Checkout.com
Success rate: 95.4%
Latency: 112msCost: 1.1%
#4
Worldpay
Success rate: 94.1%
Latency: 134msCost: 0.9%
#5
Braintree
Success rate: 93.7%
Latency: 98msCost: 1.3%
#6
Mollie
Success rate: 96.1%
Latency: 76msCost: 1.5%
#7
Klarna
Success rate: 91.4%
Latency: 145msCost: 2.1%
#8
PayPal
Success rate: 88.9%
Latency: 161msCost: 2.4%
Recovery engine

Soft decline today.
Recovered in 180ms.

Many soft declines are recoverable. Smart Cascade distinguishes soft from hard declines — and retries automatically.

serixo — cascade trace · usr_9f2a · \u20ac247.00
Recovered
Stripe
do_not_honor · soft decline
FAILED · 84ms
→ retry on next provider · decline: do_not_honor
Adyen
insufficient_funds · soft decline
FAILED · 61ms
→ escalate 3DS2 + route to EU acquirer
Checkout.com
Approved · auth_code: 829341
OK · 112ms
Payment recovered · 257ms
€247.00
Decline code intelligence15+ categories
Reads every code and responds correctly — soft declines retry on the next PSP, hard declines stop to protect your chargeback ratio.
Scheduled retry logicTop-up aware
Insufficient funds? Retry fires at the statistically optimal moment — right after card top-up windows. No spam, no duplicates.
3DS2 step-up on retryZero friction
Auto-escalates to 3DS2 when it’s likely to succeed — higher issuer approval, no interruption to the customer.
Recovery analyticsReal-time
Track recovered revenue and recovery rate by decline code. See exactly where revenue leaks and where Smart Cascade plugs it.
Capabilities

Routing that thinks,
not just switches.

AI-powered routing
60+ signals per transaction: BIN data, issuer country, PSP latency, card scheme, historical approval rate, current outage status. Updated in real time.
Real-time failover
Decline detected in under 180ms. Next provider selected and charged before the customer sees any indication of failure.
Cost-aware routing
Set target approval rates, cost ceilings per transaction, or let Smart Cascade automatically balance both across your PSP contracts.
Smart retry scheduling
Decline-code aware timing. Insufficient funds retried at the right moment. Do-not-honor escalated to a different acquirer immediately.
A/B routing experiments
Test two routing strategies simultaneously. Measure approval rate, cost per transaction, and recovery rate before committing to a new config.
PSP health monitoring
Real-time approval rate tracking per provider. Automatic de-weighting when a PSP starts degrading — before it impacts your checkout conversion.
Single API

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
charge.js
// 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",
});
status: "succeeded" provider: "checkout_com" attempts: 3 recovered: true total_latency_ms: 257 cascade_trace: ["stripe:failed", "adyen:failed", "checkout_com:ok"]
Security & compliance
SOC 2 Type II
PCI DSS L1
GDPR
ISO 27001
99.95% uptime SLA · EU data residency

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

+18%
Approval rate liftaverage across clients
40+
PSP integrationsglobal providers
180ms
Failover latencyautomatic smart retry