Recover the declined checkouts the card-scheme rules let you recover.
Of 17,793 orders, 1,644 never settled: OMR 49,937 of merchant sales. The recommended policy recovers OMR 6,722 of it after 3DS friction, lifts order acceptance from 90.76% to 92.00%, and never reattempts a decline the issuer has marked final.
3DS challenges cost 6 ordinary checkouts (OMR 114); risk-based 3DS is in the policy for chargeback liability shift on risky checkouts, not for acceptance.
- 1Retry only what the scheme rules allow, on a per-code scheduleCategory 2 and 4 soft declines: 167 orders, OMR 4,654. Largest pool: Omani bank B · do not honour (generic) (OMR 645).
- 2Refresh expired stored cards through network tokensCategory 3 (expired card) on the scheme rails: 36 orders, OMR 1,450, one reattempt each.
- 3Offer OmanNet when a domestic debit card is declined on Visa or Mastercard59 customers offered it, 18 completed: OMR 504. Most common trigger: not permitted to cardholder.
Orders that never settled, by the code of their final decline. Select a row for the rule behind it.
| Final decline | Visa rule | Orders | Lost value | Recovered (recommended) |
|---|---|---|---|---|
| Insufficient funds | Cat 2 | 239 | OMR 7,591 | OMR 693 |
| Not permitted to cardholder | Cat 1 | 256 | OMR 7,189 | OMR 385 |
| Invalid card number or issuer | Cat 1 | 193 | OMR 6,041 | no retry allowed |
| Expired card | Cat 3 | 191 | OMR 5,929 | OMR 1,450 |
| Suspected fraud | Cat 2 | 136 | OMR 4,485 | OMR 228 |
| Closed account | Cat 1 | 146 | OMR 4,363 | no retry allowed |
| Do not honour (generic) | Cat 4 | 98 | OMR 3,424 | OMR 2,300 |
| Lost, stolen or pick-up | Cat 1 | 106 | OMR 3,201 | no retry allowed |
Ask in plain words. The answer is a SQL query the server runs over the same ledger, the rows it returned, and a one-line reading that may only quote those rows.
1,418 orders stay lost after every lever here. Recovering those means reaching the customer, and paying only for the lift a holdout proves. That downstream stage is its own product.
See Relay Recover- Recovery engine and scheme-rule checks
- Holdout statistics (CI, p-value, MDE)
- SQL interpreter over the ledger
- CSV ingest with card-number guard
- AI analyst behind a numeric guard
- Visa reattempt categories and cap
- Insufficient-funds recovery prior
- Network-token uplift (held below published)
- 3DS challenge abandonment range
- OMR/USD peg
- All 18,000 authorizations and merchants
- Coefficients marked illustrative
- No figure is a Thawani actual
Every figure on this console is computed from a synthetic ledger; none is a Thawani actual. Run the same engine on your own authorization export in ; sources are in .