Platform · CascadingOne bank says no?
One bank says no?
The next one says yes.
When a payment is softly declined, your cascade sends it to your next gateway right away, while the buyer is still on the page.
1NMI · PrimaryDo not honor · soft declineDeclined
2Authorize.net · USSame card, no new formApproved
3Stripe · InternationalNext in your cascadeStandby
What the buyer saw: Payment approved
UP TO+15%of declined sales recovered
BUYER CLICKS1one pay button, one card entry
FRAUD RETRIED0stolen cards never move on
Why a second gateway says yes
Every bank and acquirer has its own risk rules. A card one of them declines can be approved by another a second later. Without a cascade, that buyer is simply gone.
Your cascade keeps the gateways you already pay for working together, instead of leaving your backups idle.
Gateways in a chainLine up your gateways in the order you want. A soft decline moves to the next one.
Only the right declinesSoft declines move on. Fraud and stolen cards never do.
Invisible to the buyerNo new form, no second click. The buyer simply sees an approved payment.
Automatic pauseA gateway that keeps failing is paused on its own, and traffic flows to the others.
Per store, per productGive each store or product its own cascade, next to your routing rules.
Every attempt loggedSee which gateway declined, which one approved and why, payment by payment.
How a cascade works
- Gateway 1 answers “Do not honor”: a soft decline.
- Your cascade sends the same payment to gateway 2.
- Approved. The order lands in your store.
- Reported as “Saved by cascade” in your dashboard.
Which declines move on
Sent to the next gateway
- Do not honor
- Issuer unavailable
- Technical errors and outages
Never retried
- Stolen or lost card
- Fraud suspected
- More than 10 declines on the card in 24 hours
Who it’s for
Merchants with two or more merchant accountsHigh-risk merchants with stricter acquirersMerchants selling across many countriesSubscription brands that want renewals to pass
Questions merchants ask
Does the buyer have to do anything?
No. They pay once. If the first gateway softly declines, the next one is tried in the same session.
Can I choose the order?
Yes. You line up your gateways, per store or per product, next to your routing rules.
What if a gateway is down?
A gateway that keeps failing is paused automatically, and payments flow to the next one.
Can I see what happened on a payment?
Yes. Every attempt is logged with the gateway, its answer and the result.