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Payment Revenue Recovery & EBITDA Improvement Advisory

Recover Lost Revenue from Failed Payments and improve EBITDA

Payments Still Fail! Revenue Leaks! EBITDA Pressured! Millions Lost!

ApproveXPay, an independent payment advisory, helps Digital Businesses recover Lost Revenue and boost EBITDA.

  • Most businesses chase new revenue — ApproveXPay focuses on recovering what you've already earned.
  • A $200 payment costs merchants (~$196) and (~$4) to others, so a failed payment is a significant merchant loss.
  • We help digital businesses (ecom, edtech, tourism, SaaS, subscription, fintechs, gaming, growth-stage companies etc.) uncover revenue leakages and improve EBITDA.
  • No PII. No PCI. Fully encrypted. Always confidential and security-first.
Book a Diagnostic Call Get Payment Leakage Assessment
Payment Performance
Live · last 24h
Healthy
Approval
94.2%
+2.1%
Recovered
$1.4M
+18%
Decline
5.8%
−1.2%
Authorization Success
MonTueWedThuFriSatSun
Transaction Flow
Checkout
Gateway
Routing
Acquirer
Issuer
Approval
Leakage Detected
$284K / mo
Soft declines · Cross-border
EBITDA Uplift
+$2.1M
Projected annual

The Problem

Why Good Payments Still Fail

  • False Declines

    25–40% of declines

  • Missing Orchestration

    10–15% approval drop

  • Poor Routing Strategy

    5–15% approval loss

  • Poor Acquirer Routing

    15–20% of declines

  • Retry Failures

    10–20% revenue lost

  • Cross-Border Friction

    Significant degradation

Business Impact

Payment Failure Impact Is Bigger Than We Think

2–5%

Revenue Leakage

5–20%

Conversion Erosion

15–30%

Customer Friction

10–25%

Subscription Churn

10–30%

Higher CAC

1% approval uplift = $1M+ incremental annual revenue per $100M processed.

ROI Illustration – That Matters

High-Impact Engagements. Measurable Business Outcomes.

ROI by Service

Service
Timeline
Potential ROI
Payment Failure Diagnostic & Recommendations
3–4 Weeks
Up to 20x
Payment Revenue Uplift Program
2–3 Months
Up to 30x
Payment EBITDA Improvement Program
2–3 Months
Up to 15x
Fractional Head of Payments
Ongoing
Up to 25x

ROI by Business Size

How Much Revenue Could Be Hidden In Your Payments?

Client Revenue
Potential Annual Value Recovery / Savings
Potential ROI*
<$10M
$50K–250K
Up to 15x
$10M–50M
$250K–1M
Up to 20x
$50M–250M
$1M–5M
Up to 30x
$250M+
$5M+
Up to 50x+

*ROI estimates are indicative and depend on transaction volume, payment mix, payment maturity, implementation effectiveness, and existing payment performance. Results vary by business.

Revenue Leakage Calculator

Quantify Your Payment Revenue Leakage

Estimate failed revenue, recoverable revenue and the annual EBITDA impact for your business.

Inputs

$

≈ $100M / month

Your Estimated Opportunity

Failed Revenue (Monthly / Yearly)
$15,000,000 (15.0%)/$180,000,000 (15.0%)
Potential Recoverable Revenue (Monthly / Yearly)
$5,250,000 (5.3%)/$63,000,000 (5.3%)
Annual EBITDA Impact (est.)
$44,100,000 (3.7%)

Estimates only. A full diagnostic provides precise numbers based on your decline data.

Book Failure Diagnostic Assessment

Services

Premium Advisory for Payment Revenue & EBITDA

Featured
01

Payment Revenue Leakage Diagnostic

3–7 business days

Identify hidden payment revenue leakage and recovery opportunities.

Best For
  • SaaS businesses
  • Subscription platforms
  • Fintechs
  • Digital commerce businesses
Deliverables
  • Diagnostic Report
  • RCA Summary
  • Recovery Opportunity Assessment
  • Prioritized Roadmap
Start Diagnostic
02

Payment Revenue Uplift Program

4–12 weeks

Improve payment approvals and recover lost revenue through structured optimization.

Best For
  • Businesses with declining approval rates
  • Subscription businesses facing renewal failures
  • Companies scaling internationally
  • Merchants with multiple PSPs or acquirers
Deliverables
  • Payment Revenue Uplift Strategy
  • Executable Implementation Roadmap
  • Prioritized Sprint Plan
  • KPI & Monitoring Framework
Book a Call
03

Payments EBITDA Stabilization & Improvement

8–16 weeks

Improve payment profitability through revenue recovery, payment cost optimization and operational efficiency improvements.

Best For
  • Businesses looking to improve margins
  • CFO-led profitability initiatives
  • Scaling fintechs and SaaS businesses
  • Cross-border digital businesses
Deliverables
  • Payments EBITDA Assessment Report
  • Margin Improvement Opportunity Analysis
  • Cost Optimization Recommendations
  • EBITDA Stabilization Roadmap
Book a Call
04

Fractional Head of Payments

Monthly retainer (3–12 month engagements typical)

Strategic payment leadership without full-time executive overhead.

Best For
  • Growth-stage fintechs
  • SaaS and subscription businesses
  • Businesses expanding globally
  • Companies modernizing payment infrastructure
Deliverables
  • Payments Strategy & Roadmap
  • Executive Advisory Support
  • Governance & KPI Framework
  • Vendor/PSP Optimization Recommendations
Book a Call

Business Impact

Before & After Optimization

Expected ROI
+4%
Revenue Recovery
+20%
Approval Optimization
+3%
Payment EBITDA Improvement
+15%
Recurring Billing Optimization
+9%
Cross-Border Payments
Metric
Before Optimization
After Optimization
Recover Lost Revenue
Hidden leakage across decline buckets
+6–12%
Improve Approval Rates
Lower authorization success
+3–8%
Reduce Involuntary Churn
Subscribers lost to failed renewals
−15–30%
Optimize Payment Costs
Unoptimized PSP/scheme costs
−8–18%
Improve EBITDA
Margin drag from payment ops
+5–15%
Improve Operational Visibility
Fragmented decline insights
End-to-end

Why Clients work with ApproveXPay

Built by a Payments Operator

Specialized expertise. Revenue-centric. Vendor-neutral. Operator-grade.

  • Recover revenue already earned but never collected
  • Improve payment authorization and conversion rates
  • Reduce payment processing and operational costs
  • Increase EBITDA through measurable payment improvements
  • Gain independent payments expertise without expanding headcount
Manish Gupta, Founder & CEO
Manish Gupta
Founder & CEO · Oxford MBA

"I built ApproveXPay after watching millions of dollars in legitimate payments get declined at companies I worked with. The problem is real, it's fixable, and that's exactly what we do."

  • 20+ yrs · Ex-Mastercard, BofA
  • $20B+ processed via MPGS
  • 150+ countries · 90+ currencies
  • ~5% approval rate uplift delivered

Specialized Expertise

Focused specifically on payment performance and approval optimization.

Revenue-Centric Approach

Not just technical recommendations — measurable business impact.

Global Payments Experience

Cross-border, acquiring, authorization, and orchestration expertise.

Independent Advisory

Vendor-neutral recommendations focused on payment revenue outcomes.

Executive + Operational Lens

Bridges business KPIs with payment infrastructure realities.

Our Clients & Engagement

Who We Work With and How We Engage?

We work with high volume digital businesses, fintechs scaling payment platforms, subscription platforms, marketplaces and PE/VC-backed companies where payment performance directly impacts growth and revenue. For example: a failed $200 transaction is ~$196 impact to the business and the rest to the payment ecosystem.

We don't just deliver decks. We work alongside your engineering and product teams to implement changes with a bias for rapid, measurable improvements.

  1. 01

    Diagnose

    Deep-dive into your transaction data, PSP setup, and current decline patterns. We map every failure mode and identify revenue leakage points.

  2. 02

    Prioritize

    Find technical, operational, routing, issuer, fraud, and orchestration issues and rank by impact.

  3. 03

    Optimize

    Quantify the recoverable opportunity by decline code, market, and payment method. Define optimization roadmap.

  4. 04

    Realize Value

    Work alongside your team to implement fixes and optimization recommendations.

  5. 05

    Continuous Monitoring

    Continuous payment performance monitoring and governance. And regular strategy reviews.

Testimonials

What Clients Say

"

ApproveXPay's diagnostic uncovered $3M+ in recoverable revenue we didn't know we were losing. Their routing recommendations lifted approvals within weeks.

VP Payments
Global Subscription Platform
"

Manish brings rare depth — operator-level insight, not slideware. The orchestration blueprint is now the backbone of our payment stack.

Head of Product
Cross-border Fintech
"

We saw a measurable approval uplift in the first 60 days. The team works alongside engineering — fast, pragmatic, and revenue-focused.

CFO
E-commerce Marketplace
NDA & Confidentiality

Confidentiality & Data Protection

Our strict philosophy is — DO NOT SHARE CLIENT DATA EVEN IF IT COSTS US BUSINESS.

ApproveXPay engagements are handled with strict confidentiality. We understand the sensitivity of payment performance, transaction data, operational metrics and vendor economics. NDA-backed engagements and secure handling practices are supported wherever required.

NDA-Backed
Mutual NDAs signed before any data review.
Secure Handling
Encrypted transfer & access-controlled storage.
Strict Confidentiality
No client data shared — ever, under any circumstance.
Review NDA & Confidentiality

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