Choose the merchant account gateway your business already uses.
The payment layer your business needs.
RevCent gives ecommerce businesses a complete credit card payment suite for gateway routing, approvals, decline recovery, secure card storage, and Sentinel anti-fraud protection.
Start Processing
Connect the gateways you already use.
Add merchant account gateways to RevCent, enter credentials, include discount rates and fees for profit reporting, and immediately process credit card transactions through RevCent.
Add processor credentials, discount rates, and transaction fees.
API credentialsVerifiedDiscount rate2.40%Transaction fee$0.30
Start processing credit cards across every RevCent payment surface.
Web appAPIStoreAutomations
Choose your gateway
Select the merchant account gateway already used by your business.
Report true profit
Include discount rates and transaction fees in every profitability calculation.
Process everywhere
Use the same connection across RevCent’s app, API, store, and automations.
Payment Profile
Intelligently route credit card payments.
The RevCent Payment Profile lets you route payments to the right gateway at the right time using advanced visual logic built for ecommerce payment complexity.
Understand every payment before it moves.
Each run starts with the request and the connected RevCent history behind it. The profile can evaluate what is being purchased, who is paying, and what has happened on earlier attempts before selecting a processing path.
- Sale, renewal, trial, upsell, or API request
- Customer approval and decline history
- Request metadata and available gateway context
Turn business rules into gateway decisions.
Use visible steps and branches to control which gateways are eligible and how RevCent chooses among them. Route by gateway or gateway group, incorporate SmartBin, and keep a failsafe path ready when the preferred route is unavailable.
- Gateway and gateway-group selection
- Filters, SmartBin, MID rules, and distribution logic
- Last-approved, last-declined, and fallback paths
Keep approval, failure, and recovery connected.
The flow continues after a gateway responds. RevCent records the decision with the transaction, then uses the result to drive the next step—whether that means completing the payment or moving into a deliberate recovery path.
- Transaction response, card data, and metadata retained
- Fallback routing when rules fail or gateways are unavailable
- Custom errors, retry logic, payment updates, and follow-up actions
Build the payment logic visually in RevCent.
Use the visual UI to add conditions, choose gateways, define fallback behavior, and control what happens after every processor response.
Drag, connect, and refine each step while keeping the complete processing path visible.PFPayment Profile
Flow builder
Describe the strategy. Let AI build the flow.
ChatGPT—or another MCP-connected AI—can inspect your RevCent gateway setup through MCP and translate plain-language routing goals into the same visual Payment Profile.
Ask AI to refine, validate, and prepare the generated flow for activation—all through natural language.ChatGPT
Connected to RevCent MCP
Describe the payment flow you want to build
＋ToolsRevCent MCP↑
Payment Profile draftReady for review
PFPayment Profile
AI generated
SmartBin Routing
Choose the gateway most likely to approve every payment.
SmartBin evaluates the card, issuer, customer history, gateway performance, timing, and live account health before each authorization.
$249.00Visa · Initial sale · VST-88291
Gateway AlphaBest approval path
94Route fit
Gateway BetaEligible route
81Route fit
Gateway GammaFallback available
73Route fit
Payment-specific intelligence
Every authorization is evaluated independently using the exact card, issuer, customer, and request context. SmartBin starts fresh with the information that matters for that payment instead of relying on one broad routing assumption.
- Evaluate initial sales, renewals, trials, upsells, and API payments.
- Use issuer, card, request metadata, and connected customer history together.
More than a static priority list
SmartBin continuously compares eligible gateways instead of sending every payment through the same default route. The preferred path can change as the customer, card, gateway availability, and recent results change.
- Consider only gateways allowed by Payment Profile and gateway-group rules.
- Re-evaluate availability, recent outcomes, and route fit on every request.
Approval and account health
Route toward stronger approval odds while avoiding unnecessary pressure on individual merchant accounts. SmartBin weighs the best available path without removing the controls and fallback logic your business depends on.
- Balance approval likelihood with gateway health and volume pressure.
- Keep fallback routes available when the preferred path cannot process.
Recover Lost Revenue
Turn payment failures into another chance to convert.
RevCent reads what went wrong, chooses the right recovery action, and keeps the original customer and payment context attached from failure through resolution. Each percentage below shows the approximate amount recovered by that method.
30%recovered
Help the customer correct a recoverable issue.
Interpret the gateway response and replace a generic decline with checkout guidance specific to what happened.
- 1Parse the responseRead response codes, matched terms, and gateway context.
- 2Match recovery logicSelect the correct message or payment action.
- 3Keep checkout movingLet the customer fix the issue without starting over.
15%recovered
Reconnect while purchase intent is still fresh.
Trigger a contextual AI Voice Agent follow-up with the cart, customer, and checkout history already available.
- 1Detect abandonmentPreserve the checkout and its complete visitor context.
- 2Start a real conversationAn AI Voice Agent calls with the relevant order details.
- 3Guide the next actionResolve questions and help the customer complete payment.
13%recovered
Decide the safest next step automatically.
Give an AI Assistant the failed payment and customer history so it can choose whether to retry, reroute, or follow up.
- 1Review the failureCombine the decline with customer and transaction context.
- 2Evaluate recovery optionsRespect retry rules, gateway logic, and business policy.
- 3Take the approved actionAutomate the next step and preserve the full decision record.
PCI Level 1
Secure card storage using the RevCent vault.
RevCent is a certified PCI DSS Level 1 service provider and can securely store customer credit cards for initial sales, additional purchases, subscription renewals, and trial expirations.
Credit CardPCI DSS L1
••••••••••••4242
CardholderGEORGE WASHINGTON
Expires12/44
ValidatedRevCent checks and enriches the card with BIN, issuer, card type, level, country, and fraud context before storage.
StoredThe card is secured inside RevCent’s PCI DSS Level 1 environment after the initial transaction.
ReusableSaved cards can support additional purchases, subscription renewals, and trial expirations without forcing re-entry.
Sentinel Anti-Fraud
Protection built into every payment.
Sentinel evaluates connected request, visitor, payment, and history context before a risky attempt reaches your gateway—giving every payment the benefit of RevCent’s free, built-in anti-fraud protection.
Bot velocity
Device mismatch
Prior fraud pattern
Sentinel inspects IP reputation, proxy use, location signals, request velocity, and automation patterns before the checkout reaches deeper payment logic.
Device consistency, session behavior, acquisition metadata, and the visitor journey are evaluated together to expose sudden or implausible changes.
Customer, card, order, prior decisions, and stored fraud evidence are compared with the current attempt so repeat patterns are recognized immediately.
Suspicious signals are isolated before payment is sent. Each layer catches a different class of fraud while clean attempts continue to the gateway.
Move to a payment layer that grows revenue.
RevCent gives your business the payment infrastructure to connect gateways, route credit cards intelligently, recover lost revenue, store cards securely, and stop fraud before it damages the operation.
Approve morePayment Profiles and SmartBin help route credit card payments toward the best approval path.
Recover revenueFunctions, AI Voice, and AI Assistants can respond when payments fail or sales are abandoned.
Protect your businessSentinel watches visitor, customer, card, and order context before fraud becomes expensive.