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Recover failed transactions by offering split payments when a customer’s payment is declined due to insufficient funds.
The acquirer returns an insufficient-funds decline. That webhook fires to Hands In, and instead of a dead-end error, the customer sees the option to split the payment without a redirection or the creation of a second checkout session.
The customer chooses which payments to use and how much goes on each. Hands In authorises them together, so the full amount is covered even when a single payment method can't cover it alone.
The full amount settles, the traveller gets one receipt, and the booking is confirmed. Revenue that would have been written off as a failed transaction instead lands in your account.
Recover transactions declined due to insufficient funds or card limits by giving customers another way to complete their purchase, without changing your existing payment infrastructure.
When a payment is declined at checkout due to:
Hands In presents a recovery pop-up, allowing the customer to select Split Payments and complete the purchase without restarting checkout.
Integrate Hands In via a lightweight API or SDK with minimal changes to your existing checkout and payment stack. Add split payment recovery without a major overhaul.
Hands In integrates with a variety of payment gateways and acquirers so your business can operate as usual.
Expand the payment options you offer to include other forms of payment.
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$10m+
In soft declines and insufficient funds recovered in the first 12 months
“We’re thrilled to offer split payments as part of our online purchasing process. It aligns perfectly with our ‘Tú Decides’ (You Decide)’ campaign, giving users more control over how they book and pay. By reducing barriers to flying, we’re making travel even more accessible.”
Yago Cassonovas
Payments, Fraud Prevention, Distribution Airlines & Travel | Air Europa
Yes, within the webhook notification, you could share with us from your acquirers' data of transaction values of above a certain amount, for example, in excess of $500, for which this solution can be presented. The benefit of working with HandsIn is that we can A/B test this with you alongside our launch of our other services
No, it isn't a mandatory requirement, but it is a quicker path to integration. It means Hands In can control the popup shown to customers without you having to further develop your own integration and your checkout around this solution.
When an NSF (insufficient funds) decline is detected, the merchant can display a dedicated recovery page triggered by a webhook notification from the acquirer as part of the Hands In integration. This page presents the customer with a split payment option, allowing them to use multiple cards to complete the transaction and recover a payment that would otherwise have been lost.
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