Failed payments
aren’t dead payments.
Kusmol uses AI to understand why payments fail and identify the right recovery path.
Retrying isn’t intelligence.
What most systems do
Same failure, same response, every time — no understanding of why the payment didn’t go through.
What kusmol does
AI diagnostics
Every decline
carries a reason.
Kusmol reads the full context around a failed payment and produces a clear, structured diagnosis — not a guess. The reason determines the response.
Reason
Authentication required
Confidence
Recommended action
Re-authenticate
Alternative
Retry later
Recovery network
One failure. Several possible paths.
The AI determines which route is appropriate based on the specific failure context — not a fixed rulebook.
Retry
Timing-sensitive declines on the same rail
Alternative payment method
Card-level failure, funds unavailable
Authentication
Issuer requires additional verification
Account update
Expired or outdated credentials on file
Bank transfer
Card rail exhausted, direct route available
Alternative rail
Processor or network-level failure
Network effect
Every failure
teaches the network.
Each classified failure becomes signal. The system doesn’t just react to declines — it refines how it reads them.
Developers
Payment recovery,
as infrastructure.
One endpoint. Send the failed payment and its context. Get back a classification, a confidence level, and the recovery options available to you.
Read the docsPOST /v1/recover{"payment": "pay_9f2ac10b","failure_code": "authentication_required","context": {"rail": "card","issuer_region": "eu","attempt": 1}}
Observability
Every state,
visible in real time.
From received to recovered, every transition in the payment lifecycle is an event you can observe and act on.
Built for