For businessesthat play adifferent game.
Own your vault. Route across every processor. Switch the moment one drops you.
Book a pilot
Own your vault. Route across every processor. Switch the moment one drops you.
Book a pilot
Cards live in Stripe's, Shopify's or Whop's vault. When they drop you, every saved card goes with them. You re-ask your whole base and lose the renewals that never answer.
How we solve it
Cards are tokenized once into a vault you own. Every processor receives a token, never the card. Switch providers and nothing is lost. Leave Second Rail and the vault leaves with you.
All your volume runs through a single merchant account. A risk review, a chargeback spike or a policy change at one processor stops your entire revenue overnight.
How we solve it
You connect several processors. We distribute volume across them by rules you set and keep every account healthy. When one terminates you, traffic moves to the others in minutes, not weeks.
Many subscription declines are recoverable, but your platform shows a red X and moves on. Expired cards, soft declines and issuer blocks all look the same.
How we solve it
Every response code is captured and shown. Retries follow the decline reason, not a fixed schedule. Network tokens and account updater refresh expired cards before the next bill. You watch the decline rate fall, by reason, by processor.
You keep your processors. You keep your money. You keep your customers.
Every charge goes to the processor most likely to approve it. Rules you set, patterns we learn.
Spread volume, lower fees, keep every account healthy. More of each sale reaches you.
Retries by decline code, network tokens, account updater. Renewals that used to fail now clear.
Cards are tokenized once and stored under your control. When a processor terminates you, point traffic at the next one. No re-collection, no lost renewals.
See how it works
Plug in the accounts you already have. Bring new ones from acquirers who work with your category.
Import existing cards where your current provider allows it. Tokenize new ones at checkout.
Smart retries and account updater keep renewals alive. A dashboard shows every reason a charge failed.
We are onboarding a small number of merchants for a hands-on pilot. Tell us about your stack and we'll show you what a switch would look like.
Book a pilot