Parsel Relay is a vault-backed, multi-gateway, AI-native recovery platform. When a subscription payment fails, our agent classifies the decline, picks the gateway most likely to authorize this card with this issuer, and recovers the revenue — without re-platforming, without touching checkout.
Most “smart retry” tools delay the same charge on the same gateway, hoping the issuer changes its mind. Parsel Relay is built on three capabilities that, together, make true cross-gateway recovery possible.
The Parsel iFrame captures payment credentials at checkout and tokenizes them in a PCI-compliant vault. We store gateway-agnostic Parsel tokens that mint Stripe pm_xxx, Adyen storedPaymentMethodId, or a Braintree nonce on demand.
A 5-stage decision pipeline — classify, eligibility, schedule, route, dispatch — runs every failed payment against 200+ decline codes and picks the gateway most likely to authorize.
Built for autonomous consumption from day one. The Agent API returns structured responses with schema_version, confidence_score, idempotency, and a next_action enum. MCP server and agent-to-agent protocols are first-class.
Every retry runs through the same auditable decision pipeline. Every step is observable. Every decision is explainable.
Decline code mapped against 200+ codes across all gateways into SOFT, HARD, or UNKNOWN.
Max attempts, retry window, cooling period, and per-customer guardrails evaluated.
Issuer-aware retry timing — when in the day, on which day, tuned per decline class.
Priority-based, rule-based, or AI-adaptive routing picks the best gateway for this card and issuer.
The vault mints a gateway-specific token on demand. Idempotent retry executes; webhook fires.
Parsel iFrame + Tokenizer + PCI-compliant vault. Gateway-agnostic Parsel tokens mint provider-specific credentials on demand.
Stripe, Adyen, Braintree at MVP. Checkout.com, NMI, Authorize.net via Payarc shipping with V1. Up to 8+ at Enterprise.
Priority-based at MVP. Rule-based at V1. AI-adaptive at V2 with learned per-issuer, per-gateway recovery curves.
200+ codes normalized across providers, mapped to SOFT, HARD, UNKNOWN with issuer-tuned retry windows.
Structured responses with schema_version, confidence_score, next_action. Native MCP for agent tool-calls.
RBI e-mandate registration, UPI & UPI AutoPay, pre-debit notifications, AFA flows. 4× India conversion lift validated.
Recovered revenue, recovery rate by gateway, live routing decision log, cohort views. Export to Snowflake, BigQuery.
Webhook in, webhook out. Works with Zuora, Chargebee, Recurly, Stripe Billing, and any API-first billing platform.
PCI DSS Level 1 scope. SOC 2 Type II in flight. Idempotent retries, dead-letter queue, RBAC, full audit trail.
Parsel Relay™ was designed against six personas, refined through design-partner interviews and direct consulting engagements.
Stop managing payment failures across spreadsheets and Slack. Parsel Relay gives you cross-gateway visibility, configurable routing, and real-time alerts.
Software fixes the retries you can see. Our consulting practice fixes the ones you can’t — gateway routing decisions, 3DS configurations, BIN-level acceptance gaps, and India-specific compliance work.
Authorization failure diagnosis, smart dunning, retry logic. 30%+ auth-rate lift.
UPI, Apple Pay, Google Pay, ACH, SEPA, regional methods.
Migration to Zuora, Chargebee, Stripe Billing. Usage-based billing.
Headless, MACH-compliant checkout. 95% latency reduction.
End-to-end CRM deployment for subscription businesses.
Quote-to-Cash transformation: accurate quoting, pricing logic.
RBI e-mandate, UPI AutoPay, pre-debit notifications, AFA.
“We were retrying the same Stripe charge three times and pretending it was a strategy. Within a quarter of plugging Parsel in, our involuntary churn dropped meaningfully — and our finance team finally has a recovered-revenue number that holds up in a board meeting.”
Placeholder design-partner quote. Replace with attributed customer quote post-GA.
We’ll model your potential recovery uplift on 30 days of your historic failed payments — usually within a week of a scoping call.
Does Parsel replace my payment gateway?
No. Parsel sits alongside your gateways and routes retries across them. Your primary checkout, capture, and disbursement stay where they are.
How is this different from “smart retry” in my billing tool?
Most billing tools retry the same charge on the same gateway. Parsel diversifies which gateway sees each retry. Validated: 15% more revenue recovered by alternating two gateways.
Do I have to migrate gateways or change checkout?
No. Parsel Relay is webhook-in, webhook-out. No checkout changes, no gateway migration, no PCI scope expansion.
How fast can we get to first recovered revenue?
Typical pilots ship first recovered revenue inside two weeks: wire webhooks, configure gateway priority, run a backfill on 30 days of failed payments.
Is Parsel SOC 2 and PCI compliant?
PCI DSS Level 1 scope is in flight. SOC 2 Type II audit is underway. Parsel never stores PANs in cleartext.
Does Parsel support India / RBI / UPI?
Yes — RBI e-mandate registration, UPI AutoPay, pre-debit notifications, and AFA flows are baked into the Enterprise tier.
What gateways are supported?
Stripe, Adyen, and Braintree at MVP. Checkout.com, NMI, and Authorize.net shipping with V1. Up to 8+ at Enterprise.
Pricing scales with payment volume, gateway count, and feature access.
Cards-only, single-currency, priority-based routing.
Cards + ACH + wallets, up to 4 gateways and 10 currencies.
All payment methods, unlimited gateways, AI-adaptive routing.
For customers running autonomous agents against Parsel.
Routes retries across the gateways you already use
Onboarding via the Payarc partnership for NMI & Authorize.net · Plugs into Zuora, Chargebee, Recurly, Stripe Billing, and any API-first billing system.
Parsel helps SaaS and subscription businesses grow revenue, reduce payment failures, expand into global markets like India, and modernize their billing and checkout systems — powered by our intelligent multi-gateway retry engine, Parsel Relay™.
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