Maya Chen
Subscription
Day 0 · FailedDay 7 · Recovered
Recovered retry
Each failed payment gets a recovery path.
Retries, recollection, cancellation handling, and dispute resolution are selected per customer.
Jordan Ellis
Invoice
Day 0 · FailedDay 3 · Retry failedDay 7 · Recovered
Recovered retry
Avery Brooks
Membership
Day 0 · FailedDay 3 · RecollectDay 7 · Recovered
Recovered retry
Sam Rivera
Canceled account
Day 0 · CanceledNo retry
Stopped
Taylor Morgan
Dispute case
Day 0 · DisputeAI review
Resolution started
How it works
A focused review of your failed ACH payments, benchmarked against recovery patterns and turned into a practical action plan.
Collect and organize your data.
Payment data, customer data, and behavioral data pulled into one place, so no failed payment gets evaluated in isolation.
Analyze patterns and recovery opportunities.
We look at what's actually driving your returns, benchmarked against NACHA return thresholds and patterns across a large volume of ACH data, not just yours.
Build a recovery strategy per transaction.
Not one retry policy for everyone - each failed transaction gets its own recommendation based on what's actually likely to work for that return.
Deliver it where you can act on it.
Delivered as a report today, with API delivery into your payment provider or billing system for larger engagements.
We analyze 100+ payment signals to find recoverable revenue.
Our internal platform reviews return codes, retry windows, authorization history, customer status, payment timing, and account-level risk patterns to identify where ACH failures can be recovered.
Payments.FM
We talk to payments experts so they can share their expertise about payments performance.
Free ACH performance audit.
We analyze your ACH data, compare performance against benchmarks, define the recovery opportunity, and create a practical recovery strategy. Delivery in 30 days. No commitment required.
- Data analysis
- Benchmark comparison
- Recovery opportunity sizing
- 30-day strategy delivery