> One integration — route every transaction to the channel it should take. Smart routing, failure cascade, smart retries, AI recovery. Cards already in your name, zero migration.

KeepPay Flow

# One integration — route every transaction to the right channel

A "neutral brain" on top of your vault — smart routing, failure cascade, smart retries, AI recovery. Because card tokens are already in your name, upgrading is zero-migration, no re-collecting card numbers.

🚧 KeepPay Flow is onboarding early customers — the capabilities below are rolling out. The vault (Vault) is available to integrate now; want orchestration early? Book early access.

## Optimize — recover the recoverable revenue Coming soon

🧠

### Smart routing

Pick the optimal channel per transaction by region, card type, cost, and historical success rate.

🔁

### Failure cascade

A declines → auto-try B, then C; branch soft vs hard by decline code, never push hard declines.

⏱️

### Smart retries

Retry soft declines by timing and channel, paired with dunning emails to recover renewals.

🛡️

### 3DS2 / SCA

Decide verification dynamically by transaction — compliant without killing conversion.

💬

### AI recovery

Conversational win-back over reached contacts (results depend on reach; we don't overstate the ceiling).

## Manage — see the whole picture in one back office Coming soon

📊

### Observability & monitors

Real-time dashboards of each channel's approval rate, cost, latency, with anomaly alerts.

⚖️

### Chargeback management

Alert integration, representment-evidence collection, dashboards by channel/region.

💰

### Cost view

Fee + cross-border charge + FX loss — the real cost of each route.

## Keep your choices — never locked in

### Neutral orchestration

Not bound to any single collector; switch or add channels any time.

### Cards in your name

With KeepPay Vault, switching channels is invisible to users — no re-entered cards.

## The honest truth about "AI routing"

We don't pile on "AI smart routing" marketing. Primer's UpliftAI is officially "up to 5%" (a pilot ceiling, not a guarantee). Our stance: nail the fundamentals first (local acquiring, cascade, retries, card updates, rule routing); treat AI as optional enhancement, validated with A/B before scaling.

## Configure a routing + cascade strategy for your channel mix

We'll estimate the lift.