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Acquired

Recover

Declined today.Collected tomorrow.

Turn failed payments into recovered revenue — automatically, intelligently, and without lifting a finger.

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The toolkit

Every failed payment. Another chance.

Four capabilities working together to bring back the payments that didn't clear — from issuer-led retry timing to customer-led pay-by-link nudges.

Issuer-led signals telling you when to try again.

One specific action for every decline. Acquired's retry advice tells you exactly what action to take when. We listen to every message and only re-attempt when the issuer has signalled it's safe to do so.

  • Real-time decline messages from Visa & Mastercard
  • Avoids scheme fines and customer friction from blind retries
  • Feeds the Intelligent Retries engine directly
Find out more

Issuer message · live

Jane S.

NR 04 — retry after 24h

Daniel R.

NR 02 — retry after 72h

Mia T.

NR 21 — do not retry

×

Adam P.

Cleared on retry · 26h

FAQ

Common questions. About Recover.

What counts as a "failed" payment?

Any recurring charge that doesn't authorise on the first attempt — expired or replaced cards, soft declines like insufficient funds, scheme do-not-honor responses, or 3DS step-up failures. Recover handles them all.

How does Recover decide when to retry?

Intelligent Retries is driven by issuer-led Retry Advice messages, historical collection trends across our portfolio, your own merchant-configured retry windows, and live signals from each scheme.

Are blind retries safe?

No — and that's exactly why we don't do them. Blind retries can trigger scheme fines and customer friction. Every retry from Recover is informed by a live issuer signal or a learnt pattern.

What happens when retries reach their limit?

Automated Payment Links take over. The customer receives a secure email or SMS with a hosted checkout that lets them settle the charge in one tap — with any payment method available, not just the one that failed.

Does Recover work with my existing acquirer?

Yes. Recover sits across the platform and operates on the transactions Acquired processes for you. Multi-acquirer setups are supported out of the box.

How do I see what's been recovered?

A dedicated recovery dashboard shows every retry attempt, the outcome, and the revenue recovered — reported alongside the original collections so the total picture is in one place.

Before it fails

Protect. Stops it happening.

The best recovery is the one you never need. Revenue Protect maximises the chance a payment authorises on the first attempt — smart routing, network tokens and 3DS working together before Recover ever has to step in.

See Revenue Protect

Let's recover. Your revenue.

Tell us what's slipping through today and we'll show you how Recover brings it back — automatically.

  • Dedicated account manager from day one
  • Strategy configured with our implementations team
  • No long-term contracts or hidden fees
  • FCA regulated · PCI DSS Level 1 certified

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