RecoveryOS

AI revenue recovery for Razorpay merchants

When a payment fails, decide what happens next.

RecoveryOS diagnoses the cause, proposes one bounded action, lets deterministic policy approve or stop it, and follows the payment to a verified outcome.

Open dashboardTry a Test Mode payment
  • Cause-aware diagnosis
  • Deterministic guardrails
  • Auditable outcomes

Why RecoveryOS

Not a retry bot. A recovery control plane.

01

Understand the failure

A gateway timeout, an authentication failure, and a merchant error should not receive the same recovery action.

02

Separate advice from authority

The model recommends. Policy can approve, delay, replace, escalate, or stop before any tool runs.

03

Measure incremental recovery

Every outcome is compared with no intervention and naive retry, then written to an audit trail.

How it works

One loop. Six explicit handoffs.

Each handoff has a named owner, a narrow responsibility, and an audit event.

  1. 01Razorpay + API
    Detect

    A signed failure or labelled synthetic case becomes one durable recovery record.

  2. 02Recovery engine
    Diagnose

    Deterministic code classifies the failure from method, reason, and history.

  3. 03OpenAI proposal
    Propose

    The model returns one structured recommendation from read-only case facts.

  4. 04Policy engine
    Guard

    Policy checks consent, limits, cooldowns, duplicates, and payment state.

  5. 05Approved tools
    Execute

    Only an approved tool can create a silent Test Mode Payment Link or wait.

  6. 06Provider + audit
    Verify

    Provider state is rechecked and written to the audit timeline.

Failed paymentsCheckout drop-offSubscriptionsB2B receivablesMandate retriesVoice recoveryPromise-to-pay

One recovery operating model

Many recovery moments. One control plane.

Different revenue leaks need different interventions. They still share the same accountable path from signal to verified outcome.

  1. 01Signals

    Know what slipped

    Razorpay events and merchant-selected recovery opportunities enter one durable case model.

  2. 02Intelligence

    Choose with context

    Deterministic diagnosis and a read-only AI proposal turn context into one explainable next step.

  3. 03Authority

    Let policy decide

    Consent, limits, cooldowns, duplicates, and current payment state decide what is actually allowed.

  4. 04Outcome

    Prove what happened

    Approved tools act, provider truth is rechecked, and every handoff lands in the audit timeline.

Merchant surfaces

A control room built for decisions.

Start with money at risk, move into one explainable decision, then inspect every event that produced the outcome.

Executive dashboardIllustrative

Dashboard

See the money before the noise.

SIMULATED DATA
Revenue at risk₹28,75,582
Recovered₹13,34,223
Policy stops164
Strategy comparisonRecovered revenue
Naive immediate retry
₹5,50,591
RecoveryOS
₹13,34,223
63 escalations8 unnecessary interventions prevented
Reported IssuesIllustrative

Reported Issues

One failed payment. One next step.

Action scheduled
Failure diagnosisCustomer authentication timeoutUPI · customer-side authentication
RAZORPAY TEST MODE
AI recommendation
Create Payment Link
Deterministic policy
Approved · delayed
Next system action
Wait for cooldown, then recheck payment state
Policy owns execution

The model cannot create the link or contact the customer.

Recovery case auditIllustrative

Case timeline

Every decision stays auditable.

The operator can see the evidence, recommendation, authorization, execution, and verified provider outcome in one place.

Verified recovered
  1. 01
    Failure detected

    Signed provider event persisted once.

    API
  2. 02
    Action proposed

    Read-only case facts produced one structured recommendation.

    AI
  3. 03
    Execution guarded

    Consent, cooldown, duplicates, and payment state passed.

    Policy
  4. 04
    Outcome verified

    Provider state rechecked and written to the timeline.

    Razorpay

Safety boundary

AI can propose. It cannot move money.

The model can recommend wait, a Payment Link, escalation, or stop. It cannot move money, contact customers, write durable state, or bypass merchant policy.

  • No payment tools
  • No database writes
  • No messaging access
  • Policy has final say

Advice and authority remain separate by design.

Evidence

Two kinds of evidence. Both clearly labelled.

Live Test Mode proof and the frozen batch comparison stay separate. Neither is real merchant revenue.

No intervention₹3,33,131
Naive immediate retry₹5,50,591
RecoveryOS₹13,34,223
Incremental uplift+₹7,83,63245.2% recovered across the frozen batch
SIMULATED DATA
Separate live-loop proof₹1 paidOne policy-approved silent Payment Link paid in Test Mode.
RAZORPAY TEST MODE

Seed 20260821 · hash 925ba5d2 · 500 payments. Neither proof represents live merchant revenue.

See the system at work

The metric is money. The product is trust.

Start with the executive view, then open Reported Issues to inspect the decisions behind every recovery outcome.

Enter the control roomRead the architecture