One platform for payments and customers
From the first authorization to the last rebill, COCO PAY CRM orchestrates the entire revenue lifecycle — routing, recovery, CRM, risk and reporting in a single system.
Every charge on its best path
A single API call enters COCO PAY CRM and is dispatched to the merchant account most likely to approve it. Weighted dispatch spreads volume by order share, processed volume or cap utilisation across an unlimited pool of MIDs.
- ✓Weighted dispatch (volume / order / cap strategies)
- ✓Cap-aware — never exceeds a MID’s monthly limit
- ✓Card-brand aware account selection
- ✓One idempotent contract for every processor
Payment orchestration
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 for high-volume, multi-MID commerce
Reliability-first architecture designed to scale with your traffic without losing a sale.
Talk to our team