What's in the platform
Routing, failed-payment recovery, subscriptions and CRM, account health and reporting - the parts you need to run card payments and recurring billing, in one place.
Send each charge to the best account
One API call comes in and the charge goes to the merchant account most likely to approve it. You can spread volume by order share, amount or how much of each account’s monthly cap is used, across as many accounts as you want.
- ✓Spread volume by order, amount or cap
- ✓Never exceeds an account’s monthly limit
- ✓Picks an account that supports the card brand
- ✓One consistent API for every processor
Routing
Included in the COCO PAY CRM platform.
Cascade failover, done safely
When a charge is definitively declined, COCO PAY CRM cascades it to the next account in your fallback pool. Ambiguous timeouts never cascade - eliminating the double-charge risk that breaks naïve retry logic.
- ✓Classic → cascade ATRI failover model
- ✓Never fails over on an ambiguous timeout
- ✓Per-attempt decision log on every order
- ✓Configurable cascade depth & retry counts
Smart routing & cascade
Included in the COCO PAY CRM platform.
Customers and billing in one record
Every transaction is tied to a unified customer profile with recurring billing, plans and lifecycle events - so payments, retention and support all read from the same source of truth.
- ✓Recurring billing & subscription plans
- ✓Unified customer & order history
- ✓Upsells and order-level controls
- ✓Customer search by email, card BIN, name
CRM & subscriptions
Included in the COCO PAY CRM platform.
Win back declined revenue
Failed rebills and expired cards are retried on a decline-code-aware schedule and re-routed to a healthier MID - converting involuntary churn back into recurring revenue.
- ✓Decline-code aware retry timing
- ✓Automatic re-route on retry
- ✓Dunning across the subscription base
- ✓Unified refunds across dashboard + API
Revenue recovery
Included in the COCO PAY CRM platform.
Keep your processing healthy
Real-time monitoring tracks decline and dispute rates per MID and auto-disables an account that crosses your threshold, protecting your relationships with acquirers and processors.
- ✓Per-MID decline & dispute tracking
- ✓Auto-disable on max-decline threshold
- ✓Idempotent charges, refunds & voids
- ✓AES-256 encryption of credentials at rest
Risk & chargebacks
Included in the COCO PAY CRM platform.
One dashboard, full picture
Approval rates, processed volume, latency, per-MID utilisation, decline reasons and recovery - every payment event reconciled in a single reporting layer.
- ✓Approval-rate & volume KPIs
- ✓Per-MID utilisation vs cap
- ✓Latency & API-health monitoring
- ✓Exportable transaction & refund logs
Analytics
Included in the COCO PAY CRM platform.
A clean API your team can ship on
A single, idempotent charge contract; a token-secured Refund API for your CRM team; and webhooks that keep your systems in sync. Built for high concurrency and reliability-first by design.
- ✓Idempotent charge & refund endpoints
- ✓Token-secured Refund API + Postman collection
- ✓Rate-limited, PCI-aligned, audit-logged
- ✓Built for high concurrent throughput
Built to handle real volume
Designed for high concurrent traffic, with reliability as the priority - so you don’t lose a sale when it matters.
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