PAYMENTS
Lift Approvals, Cut False Declines, and Route Payments Where They Clear
Bicycle AI explains why approvals move by issuer, BIN, device, and gateway—then proposes safe, reversible actions to keep revenue flowing.
Bicycle AI explains why approvals move by issuer, BIN, device, and gateway—then proposes safe, reversible actions to keep revenue flowing.
Typical detection → mitigation
Issuer/bin/device cohorts
Use current PSPs & tools
Every change logged
Track approvals and retries by issuer / BIN / device / version, see dollars at risk, and ship guarded fixes (timer, approval, rollback) without waiting on a dashboard build.
Keep latency and SDK changes in bounds, validate 3-DS/AVS behavior by cohort, and fail over safely with simulation and auto-rollback.
Plug raw topics/tables—no semantic layer rebuild—compose agent checks, enforce RBAC/PII and approvals, and give teams a governed action layer they can operate.
— VP, Payments Program, Leading AR Provider
Detect when a route underperforms for a cohort and switch traffic safely. Guardrails prevent over‑routing and allow automatic rollback.
Spot challenge spikes; apply Strong Customer Authentication (SCA) exemptions where valid; keep a tight audit for issuers and regulators.
When Address Verification Service (AVS) mismatches cluster by zip or carrier outage, relax rules for trusted users and time‑box the change.
Track Apple Pay/Google Pay acceptance by app version and device; enable fallbacks when client‑side errors land.
Optimize dunning windows, soft retries and card updater usage by issuer and BIN. Measure incremental approvals, not just attempts.
Lift interchange achievement without hurting approvals. Flag MCC/RII/config drift; propose changes with measured cost/benefit.
Tie step latency and errors to abandonment for each payment method. Keep SDK versions and redirects in line.
Every change has a reason, owner, timer and rollback. Export a clean trail for finance, compliance and partners.
Card approvals drop for one bank on iPhone
Address checks fail in a few ZIP codes
Mobile pay/digital payment acceptance dips after an app update
Averages look okay; the pocket is hidden.
Looks like a general decline.
Weekly line dips; root cause unclear.
Shows some redirect spikes; no dollar impact.
Error counts up; no guidance on change scope.
Gateway looks fine; wallet traffic unchanged.
Errors appear, but no next step.
Scattered failures in those regions.
Version v8.3.1 shows script errors.
Flags the exact pocket: Bank Y × iPhone. Shows dollars at risk and proposes routing to a healthier gateway, time-boxed and reversible.
Isolates the ZIP cohort and suggests relaxing the address check only for returning customers, for a short window, with auto-rollback.
Flags the app version cohort and recommends a safe backup: temporarily show standard card checkout when the wallet script fails; also opens a ticket to ship the fix.
“Bank Y on iPhone failing extra bank verification; route to Gateway B. $84K protected.”
“Relax for 30 min; approvals up +12%; audit attached.”
“v8.3.1 wallet script error; show card checkout when wallet fails; hotfix issued.”
See which banks drive authentication or token mismatches that cause false declines. Share clean evidence to speed resolution.
Detect timeouts and extra verification steps. Reroute traffic to a healthier gateway and verify lift with rollback on standby.
Spot fee downgrades and configuration drift. Surface the settings that protect approval rate and margins.
Catch approval dips or refund posting delays by provider and app version. Offer a backup payment option to keep orders moving.
Analyze OS and app version issues. When a wallet script fails, show card checkout automatically so the customer can still pay.
Run continuous routing tests and health checks. Keep uptime high and approval rates stable across providers.
Correlate network policy changes with approval shifts. Guide precise configuration updates with a clear paper trail.
Detect spikes in customer disputes or risky seller behavior early. Alert operations to protect take rate and customer trust.
Use existing PSPs, gateways, risk tools and ticketing. No rip‑and‑replace.
Full audit trails; reversible changes; no model training on your data.
Stripe, Adyen, Braintree and more; plus Jira, Slack and email for actions.
Agentic Analytics goes beyond dashboards. Bicycle AI continuously analyzes real-time transactions, identifies what’s impacting approvals, costs, or performance, and autonomously takes corrective steps. The result: fewer leaks, fewer surprises, and payments that run at peak efficiency.
Traditional BI and monitoring tools show what happened. Bicycle AI figures out why it happened — and what to do next. It isolates the exact driver behind an approval drop, decline spike, or routing failure, and then triggers the right fix through governed, auditable workflows.
Yes. Bicycle AI integrates directly with your payments ecosystem — gateways, acquirers, PSPs, orchestration platforms, tokenization, knowledge bases, streaming data pipelines, and cloud warehouses. Setup is low-code, event-driven, and fast, with no re-architecting of your existing stack.
Bicycle AI never trains on your data and is built with enterprise-grade safety. The platform is SOC 2 Type II certified and GDPR-ready, with every action permissioned, governed, logged, and reversible to meet strict payments and financial compliance requirements.
Business, operations, engineering, and data teams that need proactive, data-to-action intelligence. Bicycle AI is built for merchants, PSPs, acquirers, BNPL providers, fintechs, and high-volume digital platforms that depend on real-time reliability and revenue integrity.
Bicycle is an Agentic Analytics platform engineered for high-transaction businesses to optimize revenue
