Works with your existing stack.
Watch us recover your declined transactions in real-time and see the revenue lift.
Turn legitimate declines into recovered revenue, without changing your checkout or customer experience.
Hard declines and fraud signals are filtered out at the door. Only recoverable declines reach the engine and they reach it in milliseconds.
Predictive routing, not reactive retry. The S2 Engine selects the highest-confidence recovery path before the next attempt is made.
Each approval, each decline, each route observed, scored, and folded into the next decision. The AI model gets sharper as your traffic grows.
Every card carries a profile. Issuer history. BIN-level patterns. Network behavior. Routing outcomes across thousands of merchants. The S2 Engine enriches every transaction against that profile in real time — and that enrichment is what teaches the model.
Each approval, each decline, each route observed feeds the next decision. Predictive, not reactive. Sharper with every swipe.
Intelligence. Routing. Recovery.
Built on tokenized payment infrastructure, SecondSwype evaluates opportunities in real time while keeping sensitive card data outside our environment.
No Checkout rebuild. No raw PAN storage. No unnecessary PCI complexity.
The customer has a good card. The money's there. They want to buy. The bank says no anyway, for reasons that have nothing to do with the customer. A timing rule. A BIN-level quirk. A network mismatch.
These are soft declines. They aren't fraud. They aren't insufficient funds. They're issuer-side errors the industry quietly writes off and that retry logic, dunning, and account updaters were never built to catch.
The right second pass, on the right path, clears most of them before the customer ever sees a failure.
Trained on a decade-plus of decline-outcome data across thousands of merchant accounts, dozens of acquirers, and thousands of issuer BINs. Observed, not synthetic. Continuously improving.
60+ years combined experience in payments and digital marketing. Operators who've run risk inside bank processors, built gateway networks, scaled DTC brands, and run mid-major MID portfolios. We built S2 to solve our own decline problem first.
12ms median decision latency. 200+ signals per decision. Decisions made before retries fire, not as a salvage layer after they've gone out.
Pay only on recovered lift, never on gross. No setup cost. Sandbox access in 24 hours. If the lift isn't there, you walk away.
PCI DSS compliant via VGS tokenization. No raw cardholder data ever touches our systems by design, not by policy.
No checkout redesign. No migration. No vendor swap. We sit alongside your existing rails and intervene only when your primary path would have lost the transaction.
"We watched the same soft-decline pattern destroy approval rates across every portfolio we touched. So we built the engine we wished existed and trained it on the data nobody else had."
DTC · Subscription · Marketplaces · High-AOV retail
Approval lift on eligible declines, based on historical analysis across our founders' portfolios. Your pilot shows what's recoverable on your traffic, not ours. We'll quote your number from your data, not our brochure.
No. SecondSwype sits alongside your existing setup, no checkout redesign, no migration, no vendor swap. We intervene only on transactions your primary path would have abandoned.
Sandbox access in 24 hours. Most pilots are live on production traffic within two weeks. No procurement gauntlet, We just need to integrate with your CRM if we aren't already.
Nothing. We pay you monthly, minus a platform fee. No setup cost, no subscription, no invoice on your desk. You get a check for the lift we recovered.
Yes. PCI DSS compliant via VGS tokenization. No raw cardholder data ever touches our systems. Card data is tokenized end-to-end; we operate on tokens, not PANs.
A recoverable decline that isn't fraud and isn't a real "no" from the cardholder. Most often a timing rule, a BIN-level quirk, a network mismatch, or a velocity limit. The customer has the means and the intent to pay, the transaction simply took the wrong path.
If you take credit card transactions, then you have declines. If there is recoverable decline volume in your traffic, S2 will quantify it.
True, most larger merchants already do some version of that. But for us it's not really about rerunning declines.
The difference is we're looking across a much larger data set than any single merchant has access to. We see how issuers, BINs, processors, decline reasons, retry timing, and routing paths perform across multiple merchants and millions of transactions.
Instead of blindly retrying, we're predicting whether a transaction is worth retrying at all, when to retry it, what price point to use, and which rail has the highest probability of success.
The goal isn't more retries. The goal is fewer retries and more approvals.
Same checkout. Same traffic. Lift Guaranteed.