Failed payments are killing subscription revenue — whether you're billing in the UK, US, or across Africa, LATAM, and the Middle East. Payment providers stop after a decline. We continue the recovery.
0%
failure rate for cross-border payments — up to 8% even in UK & US markets
0×
higher recovery rate vs native gateway retry logic
£0
upfront cost — pure success-fee model
0+
live UK merchants already on the platform
OUR STORY
Failed payments don't only happen in emerging markets. UK and US merchants lose an average of 8% of their MRR to failed payments every month — soft declines that get misread, retried at the wrong time, and abandoned. The revenue disappears quietly, written off as customer churn.
The problem is even worse cross-border. When a UK or US merchant bills a customer in Nigeria, Brazil, or Saudi Arabia, the local gateway sends a highly localised decline code. By the time it reaches the merchant's payment account, it may have been stripped of context and grouped into a generic "Do Not Honour" bucket.
RetainPay AI was built to fix both. Our founder Peter Kwakpovwe spent 15 years managing pan-African payment rails at Cellulant and Interswitch — giving us the metadata to decode what Western gateways cannot read. That expertise became our Decline Code Normalisation Database and Chrono-Retry engine: intelligent retry logic that works across UK, US, and emerging markets alike.
£105,000
Total enterprise value at launch — £60k in IP and software assets + £45k secured liquid capital dedicated to ISO 27001 compliance and CREST penetration testing.
UK and US merchants lose an average of 8% of MRR every month to failed payments. Cross-border merchants lose up to 30%. RetainPay AI recovers that revenue automatically, settling funds directly back into your payment provider account.
A failed payment handled badly loses you the customer permanently. RetainPay AI recovers the charge silently and intelligently — so your subscriber never churns over a payment issue they didn't even know about.
No ripping out your billing stack. No dev work. No procurement process. RetainPay AI plugs directly into your existing payment provider as an overlay — you keep everything you have, and we recover what's falling through the cracks.
We charge a 10% success fee only on revenue we actually recover. No monthly subscription, no setup cost, no minimum commitment. If we recover nothing, you pay nothing. Our incentives are completely aligned with yours.
WHAT WE BELIEVE
Three principles behind every failed payment we recover — in the UK, US, and across Africa, LATAM, and the Middle East.
Our pricing is tied directly to your recovered revenue. No retainers, no monthly fees, no setup invoices. You only pay a 10% success fee when funds settle back into your payment provider account — UK, US, or international.
£0
cost if we recover nothing — contractually guaranteed
Whether a UK merchant faces a domestic soft decline or a US platform is billing customers in Nigeria or Brazil — our Chrono-Retry engine maps payment liquidity patterns by market and fires at the exact micro-moment of highest approval probability.
2×
higher recovery rate vs native gateway retry logic
Most enterprise recovery tools require months of procurement and developer integration. Connect a supported payment provider and RetainPay AI begins recovering failed payments — UK, US, or cross-border — within the hour. No engineers required.
60s
average time from signup to first recovery running
FOR DIGITAL AGENCIES & DEV SHOPS
We partner with e-commerce development agencies and B2B SaaS shops. You install our API into your client's billing stack. We recover their failed payments — whether they're billing UK customers domestically or scaling into Africa, LATAM, and MENA. You earn 20% of our success fee on every pound we recover — ongoing, with no cap.
20%
trailing commission
£0
cost to partner
Join a growing network of merchants already live on the platform
No monthly fees. No setup costs. Pay only when we recover revenue.