Failed payment recovery for IxoPay
By Calum Ewing · Head of FulfillmentReviewed by Jay StevensUpdated 3 min readSummarize with AI
Quick answer
IxoPay is a payment orchestration platform that routes transactions across multiple acquirers and PSPs, normalizes their decline codes, and can re-route or retry through cascading rules. What it doesn't do is run the customer-facing recovery — reaching the cardholder to get a new card. Revatto detects the failed payment from IxoPay, reads the normalized decline code, and runs an AI-timed email + SMS + human outreach sequence under your brand that drives the customer to update their card. It's done for you — 20% of the first recovered payment, $0 setup, $0 monthly, cancel anytime.
The gap IxoPay leaves open
What IxoPay recovers on its own
- IxoPay is a payment orchestration platform — it routes transactions across multiple acquirers and PSPs from a single integration.
- Cascading and transaction-routing rules can re-route or re-attempt a failed charge through a different provider to improve authorization rates.
- IxoPay normalizes each underlying processor's raw decline into a consistent code so the failure reason is readable across providers.
- Its recovery is provider-side — orchestration and retry logic, not a customer dunning sequence that emails, texts, or calls the cardholder.
stops at
adds- IxoPay stops at: IxoPay's cascading and retry rules address routing and provider-side failures, not a card the customer needs to update.Revatto adds: Email + SMS + a human recovery specialist that reach the cardholder under your brand to fix the card.
- IxoPay stops at: IxoPay has no built-in customer dunning sequence — no failed-payment emails, SMS, or human follow-up.Revatto adds: A managed, AI-timed outreach cadence done for you, in place of a recovery flow IxoPay doesn't run.
- IxoPay stops at: IxoPay normalizes the decline code but does nothing with it on the customer side.Revatto adds: Revatto reads that normalized code to time outreach — soft declines get a paced retry-prompt, hard declines go straight to the customer.
- IxoPay stops at: IxoPay's API is built to orchestrate charges, not to run a win-back, so it can't re-attempt the payment for you as a recovery step.Revatto adds: Revatto runs the multi-channel outreach and drives the customer back to update their card, then stops the moment the payment clears.
How Revatto recovers failed IxoPay payments
- 1Detect the failureRevatto ingests IxoPay's failed-transaction webhook the moment a charge fails — no polling, no delay.
- 2Read the normalized declineIxoPay normalizes the underlying provider's raw decline into a consistent code, so Revatto can tell a soft retry-now from a hard needs-the-customer.
- 3Reach the customerEmail + SMS + a human recovery specialist contact the cardholder under your brand — the customer-facing sequence IxoPay's orchestration layer doesn't run.
- 4Drive the card updateRevatto guides the customer to update their card so the next charge clears — because recovery here runs through outreach, not a programmatic re-attempt on IxoPay.
- 5Stop on successWhen IxoPay reports the payment succeeded, Revatto ends the sequence automatically — no double-charge, no stray outreach.
How a IxoPay decline maps across stacks
A do-not-honor decline on IxoPay. Recovery looks the same across every stack Revatto runs on — here is how the same issuer decision is named on each.
ProcessorCodeWhat it’s called
ISO 8583
Code05
CalledDo Not Honor
Codedo_not_honor
CalledDo not honor
Code2000
CalledDo Not Honorgeneric issuer decline
Code5
CalledDo not honorresponseReasonCode 5
Code201
CalledDo not honor
Codedo_not_honor
CalledDo not honor
Codecall_issuer
CalledCall issuer
Code05
CalledDo not honorISO 8583 adapterCode 05 (refer to issuer)
CodeDO_NOT_HONOR
CalledDo not honor
Codedo_not_honor
CalledDo not honornormalized — no processor-specific code (free-text categorized)
Codedo_not_honor
CalledDo not honornormalized — matched by substring rule, no processor-specific code
See what Revatto would recover from IxoPay
Failed payments recovered automatically — no engineering, no manual chasing. We do the work; you keep the revenue.
Frequently asked questions
No. Revatto's recovery on IxoPay is managed multi-channel outreach — email + SMS + a human specialist that drive the customer back to update their card — not a silent programmatic re-charge through IxoPay.
IxoPay's cascading and routing rules can re-attempt a charge through a different acquirer to improve authorization rates — that's provider-side recovery. It doesn't reach the cardholder when the card itself needs updating, which is exactly the customer-facing layer Revatto adds.
Channels and follow-through. IxoPay routes and normalizes the decline; Revatto reads that decline and runs an AI-timed email + SMS + human outreach sequence under your brand to win the customer back — done for you, with nothing for you to manage.
20% of the first recovered payment, nothing on the rest. No setup fee, no monthly fee, and you can cancel anytime — you only pay when a payment is recovered.