Annual Payment-Recovery Benchmark
Voice Commerce Recovery Index 2025
AI voice recovers 19% of failed payments in <24 h—beating email/SMS by 4.7X
We tracked 2.3 million declined transactions across retail, SaaS, and subscription boxes. Voice-first retries turned almost one-in-five “lost” orders into cash—without human agents.
Key findings
First-call saves pay the bills. 72% of all recoveries happened on the first AI voice attempt, worth $61M in reclaimed revenue.
Vertical spread. Top lifts: Digital Media +23%, Health & Wellness +21%, Fashion +18 %.
Right message, right time. Success peaks at 7 p.m. local with a 30-second empathy script; adding SMS follow-up raised the total lift only 2 ppt.
Compliance kept intact. Dynamic consent prompts delivered 98.9 % opt-in adherence under PCI DSS & GDPR.
What you’ll learn
Optimal retry cadence by ticket value & geography
Copy snippets that outperform generic “update card” requests by 31%
How Synthesys tags BIN ranges to predict bank approval likelihood
Built-in A/B flows to deploy in <15 minutes via webhook
Dataset: 1 Jan – 30 Jun 2025, n ≥ 35K transactions per vertical, 95% confidence.
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