← The platformAlerts & recovery
Failures, followed up.
Spend alerts reach customers before the invoice surprises them. Failed charges get a diagnosis — insufficient funds, expired card, bank block — and a recovery plan to match, not a blind retry loop.
Decline diagnosisSmart retriesDunning emails
Recovery · TokenfoldRecovered
Card declinedMon 11:40
insufficient_funds — not expired.Retry scheduledThu 09:00
Payday-window retry + dunning email.$1,240 collectedThu 09:02
Invoice settled automatically.Why it matters
Recovery that reads the reason, not just retries.
How it works
Three steps. No engineering ticket.
1A charge fails
The decline reason — insufficient funds, expired card, bank block — is captured immediately, not guessed at.
2Diagnosis picks the playbook
Each failure type gets its own retry timing and message; expired cards skip retries for an update-method email instead.
3Recovery runs automatically
On autopilot or approve-first, the agent executes the playbook and logs the outcome — no chasing email required.
71%of failed payments recovered, vs. ~30-40% on fixed retries
38 secmedian time from signal to action
100%of actions logged with the signal that triggered them
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