Route smarter.
Approve more. Grow faster.
COCO PAY CRM unifies payment orchestration, smart routing and CRM in a single platform — so every transaction finds its best path, declines get recovered, and customers stay longer.
Orchestrates across the processors you already use
Revenue leaks between disconnected systems
Most operators run payments, checkout and CRM in three different tools — so good customers get declined, churn goes unnoticed, and no one sees the full picture until the money is gone.
Avoidable declines
A single gateway means a soft decline is a lost sale — with no second path to try.
Silent churn
Failed rebills and expired cards slip away because nothing retries or recovers them.
Chargeback surprises
Disputes surface days later, after the MID is already at risk.
Blind reporting
Payments, customers and refunds live in separate dashboards that never reconcile.
Everything the transaction touches — orchestrated
Payment orchestration
Route every charge to the MID most likely to approve it, with cap-aware load-balancing and automatic cascade failover when one declines.
CRM & subscriptions
A unified customer record with recurring billing, plans, upsells and lifecycle tracking — tied directly to payment events.
Revenue recovery
Smart retries and dunning rescue declined rebills and expired cards before they become churn.
Cascade failover that turns a decline into an approval
Define a routing pool of MIDs and a fallback cascade. A definitive decline instantly retries on the next best account — never on an ambiguous timeout, so you never double-charge.
- ✓Weighted dispatch by volume, order share or cap
- ✓Cap-aware: respects each MID’s monthly limits
- ✓Card-brand aware routing
- ✓Full per-attempt decision log for every order
Recover the revenue that quietly slips away
Declined rebills and expired cards are automatically retried on an optimised schedule and re-routed to a healthier MID — turning involuntary churn back into recurring revenue.
- ✓Decline-code aware retry timing
- ✓Automatic re-route on retry
- ✓Subscription & plan management
- ✓Refunds unified across dashboard + API
Protect your MIDs before they’re at risk
Real-time monitoring watches decline and dispute rates per MID and auto-disables an account that crosses your threshold — keeping your processing healthy and your partners happy.
- ✓Per-MID decline & dispute tracking
- ✓Auto-disable on max-decline threshold
- ✓Idempotent charges & refunds
- ✓PCI-aligned encryption of credentials at rest
One system of record, three points of view
Commerce leaders
Lift approval rates and protect revenue with routing and recovery that work out of the box.
Growth & marketing
Higher checkout conversion and longer customer lifetimes, tied to the metrics you actually report on.
Finance & risk
Reconciled payments, refunds and fees in one place, with a full audit trail and MID-health controls.
Ready to orchestrate your revenue?
See how COCO PAY CRM routes, recovers and reconciles every transaction. Book a walkthrough with our team.