Every Declined Transaction Is a Customer You Lost
Intelligent routing to the highest-performing provider, local payment methods by region, and instant cascade on decline. Fewer abandoned carts, more completed sales.
70%
Carts abandoned globally
+17%
Auth rate with smart routing
40+
Local payment methods
The Reality
What E-Commerce Operators Actually Deal With
Declined Transactions = Lost Sales
Every decline at checkout is a customer who may never return. Single-PSP setups leave money on the table with no recovery path.
10% of checkout failures are due to missing payment methods
Regional Methods Are Missing
Netherlands wants iDEAL. Brazil wants PIX. India wants UPI. If your checkout does not offer local methods, conversion drops immediately.
Local acquiring can reduce cross-border fees by 59%
Multi-Currency Complexity
Selling across borders means FX margins, settlement currencies, and reconciliation across multiple providers. Manual processes break at scale.
Checkout Friction Kills Conversion
Every extra step, every redirect, every slow-loading page costs customers. 18% of cart abandonment is caused by checkout friction alone.
18% of abandonment is checkout friction
How It Works
Three Steps. One Integration.
Customer Hits Checkout
Localized payment methods auto-surface by region and device. Your branded UI, hosted or embedded.
Route to Best Provider
Each transaction routes to the highest-performing PSP based on region, card type, approval history, and cost.
Recover on Decline
If declined, cascades to the next provider instantly. Customer never sees a failure. Revenue captured.
Capabilities
What You Get
Intelligent Routing
Route each transaction to the best-performing provider. Optimize by approval rate, cost, region, or BIN. Real-time decision engine.
40+ Local Methods
iDEAL, PIX, UPI, SEPA, Klarna, Apple Pay, Google Pay. Auto-surfaced by customer location and device type.
Multi-Currency Settlement
Accept in any currency, settle in yours. Transparent FX margins with daily ECB rates. Full visibility in the dashboard.
Branded Checkout
Hosted payment page or embedded SDK. Your domain, your branding. 3DS2 built in. Mobile-optimized. No redirects away from your site.
Cross-Provider Reconciliation
Automated fee calculation, transaction matching, and settlement reconciliation across all providers. No more spreadsheets.
Chargeback & Fraud Controls
Velocity rules, device fingerprinting, CNP-specific fraud patterns. Configurable per merchant, per region.
Compliance-Ready
Why Us
Why Exirom, Not Another Orchestrator?
No Acquiring Conflict
We route to what performs best, not what earns us interchange. No hidden incentives in routing decisions.
Bring Your Own PSPs
Your Stripe, Adyen, or local acquirer contracts stay yours. We add the orchestration layer.
E-Commerce-Specific Routing
CNP transactions, recurring billing, and one-time purchases all route differently. Built for your vertical, not generic.
From Sales Calls
Questions E-Commerce Operators Ask Us
How much does smart routing actually improve approval rates?
Industry data shows up to 17% improvement. Results depend on your provider mix and traffic patterns. We show you the impact in real time.
Can we keep our existing Stripe/Adyen integration?
Yes. We layer on top. Your existing PSP contracts and credentials stay. We add routing, cascading, and failover.
How does local payment method surfacing work?
The checkout detects customer location and device, then auto-surfaces the most relevant methods. iDEAL in NL, PIX in BR, UPI in IN.
What about recurring payments and subscriptions?
Full tokenization support. Failed recurring charges cascade to alternative providers automatically. Reduce involuntary churn.
Stop Losing Sales at Checkout
See how intelligent routing and local methods recover revenue from declined transactions.