AI recovery agents bill per recovered order. Relay Recover proves which ones you caused.
And it stops the contacts you should not make. Every failed payment or dropped checkout passes deterministic gates for fraud, consent, DND, COD risk and quiet hours; the rest get the fix their decline reason calls for; and a randomized holdout measures the lift the fee is charged on.
Recovery is now sold per outcome. The outcome is counted gross.
Some of the customers an agent contacts would have paid anyway. A per-recovery fee charges for them too, and nothing on the invoice says how many.
An offer in a transactional message, a free-written SMS outside its DLT template, a cart reminder filed as a utility template, COD offered after the RTO gate said no.
Recovering fraud buys a chargeback; chasing an order that already settled risks a double charge; messaging about a sensitive item can out a customer.
In 2026, India's payment and checkout platforms started selling recovery agents.
- Cashfree Relay
GA 27 Aug 2026. Its Cart Recovery agent calls the buyer with an offer: “you only pay for recovered orders”.
Gap: Pays and reports on recovered orders - gross. No holdout or incremental measurement is described, and the cart agent leads with an offer.
cashfree.com/relay · Analytics India Magazine, 27 Aug 2026 - Razorpay Agent Studio
Launched 12 Mar 2026 with a voice-led Abandoned Cart Conversion agent.
Gap: Launch material describes conversions, not a control group, and its sample conversation closes with a loyalty discount.
razorpay.com/newsroom, 12 Mar 2026 - GoKwik KwikEngage
Over 1M AI calls a month; a 24 Sep 2026 report claims a “10X incremental return”.
Gap: “Incremental” there is voice + WhatsApp versus WhatsApp alone, not versus no contact. No randomized holdout is disclosed.
medianews4u / Social Samosa, 24 Sep 2026
None publishes a per-decision holdout lift. See the full landscape. Assessed from each vendor's public material; Relay Recover is an independent concept, not affiliated with any company named here.
The payment rail knows why it broke. A marketing tool does not.
Gross, minus what would have happened anyway.
Reference run: 2,400 synthetic events through the live engine (seed 2026). 95% interval on the incremental figure: ₹10,08,368 to ₹16,42,822. The control room computes this live, every tick.
Before recovery comes acceptance.
Relay Recover starts where the gateway gives up: after retries have failed. The upstream half - a decline taxonomy and smart retries, measured on an authorization ledger - is the Acceptance Intelligence console.
Acceptance consoleThe decisions and the maths run live. The events are synthetic.
Every gate, fix, channel, holdout and interval on this site is computed by the engine as you watch. The merchant, customers and outcome rates are simulated until real data is dropped in.
Drop a gateway export into the control room: real UPI and card decline codes are mapped and every row gets a decision - contact, hold out, or leave alone, with the rule that decided it. It runs in your browser; nothing is uploaded.