Optimizing Failed Payment Recovery with FlyCode’s Orchestration Layer

Shortcomings in payment processes don’t only hurt revenue; they also create operational headaches. Chasing down failed invoices, re-engaging customers whose cards were declined, and reconciling missed payments all consume valuable team time. This is why modern payment orchestration has become a priority. By intelligently routing transactions and automating retries, orchestration ensures more payments succeed on the first try (and recovers those that don’t), protecting recurring revenue and saving teams from manual recovery efforts. In summary, the shift to smarter payment orchestration is about keeping revenue on track and customers onboard – core concerns for any finance or payments team looking to reduce involuntary churn and improve operational efficiency.

Market Shift: PSPs Embrace Orchestration

Given the high stakes, even the major payment providers have started to bake orchestration capabilities into their platforms. Payment service providers like Stripe, Adyen, and Checkout.com are adding native orchestration features to help merchants optimize payments. For example, Stripe recently introduced its Vault and Forward API to support a multi-processor strategy – allowing merchants to route transactions to multiple processors through Stripe’s infrastructure​batchprocessing.co. This marked a significant shift for Stripe, which historically kept merchants on its own rails, and signals that even one-stop providers recognize the need for flexibility. Similarly, Adyen has rolled out AI-powered payment optimization tools (e.g. “Adyen Uplift”) aimed at improving authorization rates. By leveraging machine learning, Adyen reportedly boosted payment conversion by about 6% with these features​fintechwrapup.com, demonstrating the value of smarter routing and retry logic within a PSP’s ecosystem.

Checkout.com has also joined the trend, offering a “Forward” API and orchestration layer to connect with multiple PSPs and third-party services. The overall message is clear: the payments industry is evolving beyond single-PSP setups toward orchestrated models. PSPs are effectively acknowledging that no single provider is best for every transaction or region, and giving merchants tools to optimize across choices. For finance teams, this market shift means more options to improve payment success without completely changing providers. However, while these built-in capabilities are a step in the right direction, they often remain constrained by the providers’ own ecosystems. The presence of native orchestration in PSPs validates the importance of the approach – yet it also brings into focus what gaps still exist and why specialized solutions like FlyCode are emerging as the orchestration layer of choice for many businesses.

Existing Gaps in PSP-Native Orchestration

Despite the advances by PSPs, there are core limitations in native orchestration offerings that leave many businesses wanting more:

• Limited Routing Logic: PSP-provided orchestration usually offers only basic or preset routing rules. Merchants might be able to fail over to a secondary processor if the primary one is down, or route by simple criteria, but they lack fine-grained control and advanced rule sets. Customizing retry schedules or routing based on nuanced factors (like specific decline codes or time-of-day patterns) is often not possible with out-of-the-box PSP tools. This limited logic means missed opportunities – the system might not try the optimal next step for a failed payment, because it’s confined to a one-size-fits-all rule.

• Lack of Transparency: When you rely on a single PSP’s built-in optimization, you’re often operating in a bit of a black box. Finance teams may find it difficult to get clear visibility into why a payment failed and what the orchestration logic did in response. PSPs might not provide detailed analytics or real-time insights into each retry attempt and routing decision. This lack of transparency makes it hard to trust the system or to refine your strategy. A payments operator might wonder: are we retrying enough times? Too many times? At the right intervals? Without granular data, these questions remain unanswered, and optimization becomes guesswork.

• No Cross-PSP Intelligence: Perhaps the biggest limitation, by definition, is that a PSP’s “multi-provider” orchestration is still centered on its own platform. These tools do not incorporate intelligence from outside their ecosystem. For example, Stripe’s routing won’t automatically know if Adyen would have a higher success rate for a certain card issuer, or vice versa. They lack a cross-PSP, cross-bank view of payment performance. In contrast, an independent orchestration layer can learn from a wide range of data points across different processors and geographies. PSP-native solutions miss out on this network effect. There’s no sharing of insights like “Bank X in Europe tends to approve retries on Day 3 more often if routed through processor Y” – at least not if you stay solely within one PSP. In short, you don’t get the benefit of collective intelligence across the payments landscape.

These gaps mean that while using a single provider’s orchestration features is better than nothing, it often isn’t sufficient for optimal revenue recovery. Finance and payment teams still struggle with decline rates and lost customers, even after implementing basic retry rules from a Stripe or Adyen. The need for a smarter, more transparent, and provider-agnostic solution remains. This is where FlyCode comes in – filling those gaps with an orchestration layer designed specifically to maximize recovery across all your payment channels.

The FlyCode Solution

FlyCode positions itself as the advanced orchestration and failed-payment recovery layer that sits on top of your existing payment stack. Rather than replacing Stripe, Adyen, Checkout.com or others, FlyCode complements them – orchestrating between them to squeeze more success out of every transaction. Key aspects of the FlyCode solution include:

• AI-Driven Retry and Routing: FlyCode uses machine learning to intelligently manage retries and payment routing. Instead of brute-force retries at fixed intervals, it analyzes past payment outcomes to decide when to retry a failed payment and which route to send it through. For example, if a card was declined by PSP A, FlyCode might detect that retrying via PSP B after a few hours (or on a certain day of the week) yields a higher success rate. This AI-driven approach finds optimal paths that a static rule engine would miss, continually improving as more data comes in.

• Seamless Integration with Existing PSPs: A major benefit for technical teams is that FlyCode doesn’t require ripping out or replacing your current payment providers. It integrates with your existing PSP accounts (e.g. Stripe, Adyen) via APIs, acting as an overlay. This means deployment is relatively quick and doesn’t disrupt your live payment flows – you keep using Stripe or Adyen as you do today, but with FlyCode orchestrating retries and secondary routing in the background. For finance teams, this translates to minimal implementation friction. You gain the advantages of a sophisticated multi-PSP strategy without a lengthy re-integration project.

• Self-Optimizing Recovery Engine: FlyCode’s recovery logic is not one-and-done; it continuously learns and self-optimizes. The platform monitors which retry attempts succeed or which gateway ends up converting a previously failed transaction, and then adapts its algorithms accordingly. This self-optimizing loop means that over time, FlyCode gets better at recovering your payments automatically. New patterns (like a sudden increase in declines from a particular bank) are recognized and the system adjusts – for instance, by prioritizing a different route or altering the retry cadence. This relieves the payments operations team from constantly tweaking rules – the system itself finds the best strategy for each merchant’s unique customer base.

• Real-Time Decisioning on Issuer and BIN Data: A standout feature of FlyCode is how granular its decision-making can get. It looks at attributes like the card issuer, geography, and BIN (bank identification number) of the payment card in real time to inform its actions. If data shows that cards from a certain bank in Brazil have better success on a second attempt in the morning, or that Visa debit cards from a particular BIN range are more likely to go through with a specific acquirer, FlyCode’s engine will incorporate that. Essentially, it leverages deep payments intelligence – down to the issuer and card-type level – to route each transaction via the best possible path in that moment. These micro-optimizations add up to significantly higher overall recovery rates.

• Tangible Business Impact: Ultimately, FlyCode’s value is measured in business outcomes: higher recovered revenue, lower churn, and improved team productivity. By automating what used to be labor-intensive (or simply neglected) recovery work, FlyCode helps companies lift their ARR by capturing payments that would have been written off. This directly reduces involuntary churn – those customers whose subscriptions or purchases would have failed are instead retained, improving customer lifetime value. The finance team and payment operators also benefit from productivity gains: instead of manually intervening in dunning processes or analyzing failure reports, they can rely on FlyCode’s system and focus on more strategic tasks. The solution includes real-time dashboards and transparency, so teams can monitor performance and trust that the engine is doing its job. In summary, FlyCode turns what was once a painful, opaque process into an automated, optimized workflow – driving more revenue with less manual effort.

Case Studies: Revenue Gains with FlyCode

FlyCode’s impact isn’t just theoretical – several companies have reported concrete improvements after implementing its AI-driven orchestration. Here are a few brief examples:

• Framer (SaaS website builder) – Using FlyCode’s recovery engine, Framer achieved about a 6% lift in ARR and saw an 18%+ increase in recovered payments from previously failed transactions​flycode.com. This translates to significant saved revenue on their subscription base that would have otherwise been lost to declines.

• PlixLife (subscription wellness brand) – PlixLife integrated FlyCode to combat churn from failed credit card payments. The result was a 12× increase in successful payment recoveries and a corresponding 9% reduction in involuntary churn (customers lost to failed payments)​flycode.com. This improvement delivered a strong return on investment for their subscription business, essentially saving dozens of customers and sales each billing cycle that would have been given up on before.

• Just Meats (direct-to-consumer subscription service) – After adopting FlyCode’s orchestration layer, Just Meats reported a dramatic 40× boost in recovered payments (i.e., forty times more failed transactions were rescued than prior processes managed) along with a 33% decrease in passive churn​flycode.com. In financial terms, they calculated about a 62% ROI on the initiative​flycode.com, owing to the surge in retained subscriptions. This means substantial recurring revenue was added back to their annual projections, and their customer retention improved markedly.

These case studies highlight how effective an advanced recovery strategy can be. Whether it’s a B2B SaaS platform like Framer or consumer subscriptions like PlixLife and Just Meats, FlyCode’s data-driven approach turned a significant portion of failed payments into realized revenue. The numbers – from ARR uplift to churn reduction – underscore the value for any business with recurring payments or a high volume of transactions.

Conclusion and Call to Action

The world of payments is evolving, and finance teams need tools built for this new era of payment operations. The rise of payment orchestration reflects a simple truth: maximizing revenue from payments requires intelligence and flexibility that single providers alone can’t offer. FlyCode has positioned itself as the orchestration layer purpose-built for payment recovery, addressing the very gaps that standard PSP offerings leave open. By leveraging AI and a cross-PSP perspective, it ensures that no payment is left behind without a fight – all while integrating smoothly with your current systems and workflows.

For finance and payment operations leaders, the mandate is clear. Involuntary churn and failed payments are not just IT issues; they are core business challenges that hit your revenue and growth targets. FlyCode provides a solution to directly tackle those challenges – lifting ARR, reducing churn, and improving operational efficiency. It’s a way to empower your team with automation and insights, so they can recover revenue at scale without adding a proportional workload. The case studies have shown tangible ROI, and the approach aligns with where the industry is headed: smarter, data-driven payment flows.

In an environment where every percentage of retention counts, implementing a solution like FlyCode can be a game-changer. It’s essentially giving your finance and payments team a sophisticated co-pilot that handles the heavy lifting of failed payment recovery. The result is more reliable revenue streams and happier customers (who aren’t unintentionally losing access due to payment hiccups). FlyCode is the orchestration layer built for payment operators and finance teams – marrying technical ease of deployment with significant revenue outcomes. Payment teams looking to transform their failed payments from a source of loss into an opportunity for growth should consider exploring what FlyCode can do. It offers a proven path to turn declined transactions into dollars and to ensure your payment infrastructure truly works in favor of your revenue goals, not against them.