Our technology
How we help our clients solve churn.
We use supervised learning with classification methodology to draw a conclusion from previous successful transactions and apply that knowledge to future resubmissions. Here's a look at our stack.
1
Front End Restful API To Receive Files
Our Merchant interface allows our clients to batch submit, update reason response codes from the processor, and view all successfully captured transactions to update subscriber entitlements. This is achieved with our secure FTP, our Secure HTML, CSS, and REST API code base.
2
Payment Gateway
This handles our processing of credit card payments and ensures the security of sensitive financial information complies with all PCI requirements. We suggest Merchants should have at least two different payment processors for redundancy, comparing acceptance rates, comparing fees, and comparing support & reports.
3
AI-Resubmission Engine
Our Engine is responsible for managing the recurring billing transactions. Under our Merchant’s MID, we resubmit, analyze, and capture funds for the Merchant’s acquiring bank. We orchestrate complex transaction adjustments, prorate charges for changes in the subscription plan, and handle billing failures such as declined credit cards.
4
BIN Database
It's critical to maintain a 'live' API connection to know any real-time changes or additions to Bank Identification Numbers, especially as we move from the 6-digit BIN to the 7, 8, or 9 numerical range BIN. We subscribe to several BIN data services, and our BIN database is superior to all others.
5
Billing Interface
We process entitlements and manage grace periods, our component stores information about subscribers, their subscription plans, and their billing history.
6
AWS Back-end
We use AWS as our server-side component which powers our front-end and handles communication between the payment gateway, billing engine, and subscription database. We use Python, Amazon S3, and Amazon Simple Storage Service to provide object storage through our web service interface. Amazon S3 uses the same scalable storage infrastructure that Amazon.com uses to run its e-commerce network.
7
BIRT for Analytics
BIRT stands for “business intelligence reporting tool”. Our BIRT pulls data from various data sources that can be used for reporting and visualization. Using our tools, we allow you to share and explore data visualizations online.
8
Integration via REST-APIs / JSON Data Format
These allow our system to integrate with other Subscription Billing systems, Customer Relationship Management (CRM), and accounting software. It is critical that Subscribers are properly Entitled once a payment has been captured. Equally important is disentitlement and notification for failed payment and request for a different payment method from the consumer when failure persists. Our API provides these statuses in real-time.