PayDeclineIQ

PayDeclineIQ is a web app (with optional mobile dashboard) that helps online merchants diagnose and reduce payment declines in real time. It connects to Stripe, Adyen, Braintree, and Shopify to ingest decline codes, issuer responses, BIN data, and checkout events, then surfaces actionable fixes: when to retry, when to route to an alternate payment method, and which checkout fields or fraud rules are causing false declines. It also runs controlled experiments (A/B) on retry timing, 3DS settings, and payment method ordering, so teams stop guessing. This is a combination traditional + AI app: AI summarizes patterns, clusters decline reasons, and drafts “next best actions,” but the core value is clean data plumbing and measurable uplift reporting. It’s not magic—issuers are opaque—but even a small decline-rate reduction can materially move revenue for mid-sized stores.