Card payments and recurring billing, in one platform.
COCO PAY CRM routes card payments across your processors, retries failed rebills, and keeps customer and order data in one place. Built for merchants running real volume.
Plug into your store
Sync orders, customers and subscriptions straight from the store you already run.
Connect every processor and wallet
Route each charge across the processors and wallets your customers already expect.
Fight disputes automatically
Catch disputes early and keep your merchant accounts healthy with automated recovery.
The payments work, in one place
Most teams run payments, rebills and customer data across separate tools. COCO PAY CRM puts them together so you can see what's happening and act on it.
Smart routing
Send each charge to the account most likely to approve it, and fail over automatically if one declines.
Failed-payment recovery
Retry declined rebills and expired cards on a schedule, and move them to a healthier account.
Subscriptions & CRM
Recurring billing and a single customer record, tied to the actual payment history.
Clear reporting
Approvals, volume, per-account usage, declines and refunds - reconciled in one dashboard.
Your whole operation, in one view
Approvals, processed volume, routing health and declines - reconciled live, so you always know exactly what is happening.
Route payments across multiple processors
Each charge goes to the merchant account most likely to approve it. If a charge is declined, it tries the next account in line. It never retries on a timeout, so a card is never charged twice.
- ✓Spread volume by share, amount or account cap
- ✓Respects each account’s monthly limit
- ✓Chooses an account that supports the card brand
- ✓A full attempt-by-attempt log on every order
Retry failed rebills automatically
Declined renewals and expired cards are retried on a sensible schedule and moved to a healthier account, so you keep more of your recurring revenue instead of losing it to silent churn.
- ✓Retry timing based on the decline reason
- ✓Re-routes to a different account on retry
- ✓Subscription and plan management
- ✓Refunds from the dashboard or the API
Keep your merchant accounts healthy
We track declines and disputes per account and pause one automatically if it crosses your limit, so a single bad MID doesn’t put your processing at risk.
- ✓Per-account decline and dispute tracking
- ✓Auto-pause on a max-decline limit
- ✓Idempotent charges, refunds and voids
- ✓Credentials encrypted at rest
See it on your own setup
Book a short demo and we’ll walk through how routing and recovery would work for your processors and volume.
PCI DSS compliant by design
Card data is handled to PCI DSS standards: credentials encrypted at rest, scoped access, and full audit logging on every transaction.