The decline happens
Soft decline, expired token, network hiccup, 3DS friction. Your primary processor sees a "no" and moves on.
— UK merchants · alongside your primary processor
Recover up to 37% your processor isn’t.
Brippo’s Second Chance AI brings back the failed card payments your primary processor writes off — typically a quarter to a third (20–37%), automatically, inside your checkout. Recovery varies by merchant mix, card geography and decline reasons — we’ll model your expected range from your own decline data before you commit to anything. Runs alongside whatever you already have. No replacement, no contract break.
37%
up to · recovery rate
<2s
decision latency · inside the same checkout session
£50M
card turnover ceiling · UK PSR ruling, in force 2023
— No rip-and-replace
Keep what works. Add what you’re missing.
What stays
Your existing setup
Nothing you’ve built moves. Brippo doesn’t replace your primary — it sits beside it.
- Your existing card acquirer relationship
- Your card acquirer contract — no overlap, no break
- Your reporting and reconciliation pipeline
- Your renewal cycle — untouched
What changes
Brippo, alongside
Brippo runs in parallel, acting only when your primary processor declines a card.
- Brippo sits beside it, only acting on declines
- No overlap — Brippo doesn’t see successful authorisations
- Recovered transactions land in your existing ledger
- Month-to-month — leave anytime, no commitment
— UK regulation since 2023
You’re allowed to run a secondary processor.
In 2023, the UK Payment Systems Regulator ruled that merchants with annual card turnover under £50 million are no longer bound by long-term exclusive contracts with their card acquirer. The 14 largest UK acquirers were required to dismantle those clauses, alongside POS terminal lock-ins and opaque price disclosures.
That’s what makes running Brippo alongside your primary a sanctioned commercial choice. Not a workaround. Not a grey zone. A regulated, openly-available option.
Source: UK Payment Systems Regulator — Market review into the supply of card-acquiring services. Final report 2021, remedies in force from 2023. psr.org.uk →
Four steps. Same checkout session. Under two seconds.
How Second Chance AI runs alongside your primary processor.
Brippo sees the decline in real time
Same checkout session, same shopper, same cart. Brippo’s Second Chance AI is already running alongside your primary — no integration overhead, no checkout latency.
We retry, intelligently
The AI picks the optimal retry path based on decline reason, card scheme, time of day, and merchant context. Decision latency: under two seconds.
The transaction recovers
Customer completes their purchase, often without noticing. You keep the revenue. The recovered transaction reconciles into your existing ledger.
Security is the floor.
PCI-DSS Level 1
The highest tier of card-data compliance — re-audited annually.
3DS2 end-to-end
Strong Customer Authentication done right. Brippo handles the step-up flow and exemptions.
Tokenized vaulting
On Stripe Payments UK infrastructure (FRN 900461). Card data never lands on your servers.
— The audit, free
Send us your last 30 days of declines.
We’ll tell you what’s recoverable.
Thirty minutes with John, no slides, no commitment. You send a decline export from your incumbent processor; we run it through Brippo’s recovery model and send back a single-page audit. The recoverable revenue is real and named. If the math works, we run a 90-day pilot. If it doesn’t, you keep the audit.