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.

Gateways Payment Routing SmartBin Recovery Card Data Sentinel
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.

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Step 01 Pick your gateway.

Choose the payment gateway you are using from the list of gateways available in RevCent.

Step 02 Enter credentials.

Connect the gateway with the credentials provided by your processor and include costs for better profit reporting.

Step 03 Process payments.

Once a gateway is added, RevCent can process credit card transactions through the web 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.

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Visual flow builder lets you design advanced payment flows with filters, branching, pre-payment actions, post-payment actions, and gateway choice settings.
Gateway decisioning lets RevCent choose gateways based on customer history, gateway groups, request metadata, and business rules.
Dynamic routing can consider request type, customer history, gateway groups, prior approvals, prior declines, and fallback gateways.
PFPayment Profile
Flow builder
Start Payment request RevCent receives an initial sale, upsell, renewal, trial expiration, or API payment.
Step Load context Check request type, customer history, prior approvals, prior declines, and metadata.
Branch Choose route Apply gateway groups, filters, SmartBin, MID rules, and fallback settings.
Action Process gateway Send the payment to the best available gateway for this customer and request.
Result Payment approved Transaction, response, card data, and metadata are stored in RevCent.
Step Fallback route If rules fail or a gateway is unavailable, route to a safe backup gateway.
Result Recovery path Declines can trigger custom errors, retry rules, payment updates, or follow-up actions.
Increased Approvals

Use SmartBin for increased approvals.

SmartBin is RevCent’s in-house scoring algorithm that evaluates your available gateways for each purchase based on the customer’s card, issuer signals, gateway history, timing, anomalies, and volume pressure.

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Every payment is analyzed before it reaches a gateway, using the customer’s card, issuer signals, gateway history, and available processing context.
Gateway scoring is card-specific, so RevCent can choose the gateway with the strongest approval likelihood for the customer card being used.
Smart routing protects gateway health by improving approval odds while avoiding unnecessary pressure on individual merchant accounts.
01
Payment request RevCent receives the payment request. The payment enters RevCent with the customer’s card, issuer signals, and available gateway context.
cardissuergateway pool
02
SmartBin scores Gateways are scored in milliseconds. SmartBin compares gateway history, card signals, issuer data, timing, anomalies, and volume pressure.
sub-secondscored
03
Best gateway The best gateway processes payment. RevCent sends the payment to the gateway with the strongest approval likelihood for that customer card.
approved
Recover Lost Revenue

Recover revenue that you would otherwise lose.

RevCent recovery tools help recover failed payments, abandoned carts, failed renewals, failed trial expirations, and declined sales using routing logic, custom responses, AI Assistants, and automated follow-up workflows.

Soft Decline
30%
Convert soft declines with better checkout messaging.

Parse gateway responses, match specific terms, and display custom checkout messages that help customers fix recoverable payment issues.

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Abandoned Cart
15%
Use AI Voice Agents to call customers.

When a sale is abandoned, RevCent AI Voice Agents can call the customer and help them complete the order.

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Hard Decline
13%
Automate recovery with AI Assistants.

RevCent AI Assistants can review the failed payment, inspect customer context, and decide whether to re-attempt payment.

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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.

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Credit Card PCI DSS L1
••••••••••••4242
CardholderGEORGE WASHINGTON
Expires12/44
01
ValidatedRevCent checks and enriches the card with BIN, issuer, card type, level, country, and fraud context before storage.
02
StoredThe card is secured inside RevCent’s PCI DSS Level 1 environment after the initial transaction.
03
ReusableSaved cards can support additional purchases, subscription renewals, and trial expirations without forcing re-entry.
Sentinel Anti-Fraud

Built-in, free anti-fraud protection.

Sentinel is RevCent’s free in-house anti-fraud system, included directly in the payment layer to evaluate visitors, customers, orders, and payment behavior before risk turns into approvals, disputes, lost inventory, or damaged processing history.

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Signals Sentinel reads
IP
Visitor intelligenceIP reputation, location, device, user agent, proxy, and behavioral signals.
ORD
Order contextCustomer, cart, product, shipping, card, and sale history evaluated together.
VEL
Velocity patternsRepeated attempts, mismatched data, suspicious timing, and abnormal checkout behavior.
Sentinel decision engine Live risk score
87/100 Risk
DecisionReview before gateway
ReasonHigh velocity + visitor mismatch
Stored contextSignals attached to the sale
What RevCent can do
Allow clean ordersLet trusted transactions continue through the payment path without friction.
!
Block risky attemptsStop fraud before authorization, gateway pressure, inventory loss, or disputes.
EV
Attach the evidenceKeep the fraud context available for review, tuning, support, and reporting.

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.
Contact RevCent