minimizing the incentive for multiple transaction attempts, so the merchant is only charged for successful charge attempts, never failures. The platform maximizes payment captures by identifying and analyzing data used by each bank card processor and issuer in real-time to optimize recurring and recycled attempts, resulting in improved approval rates by as much as 14%. For developers, Revolv3’s machine learning backend is easily configurable within the platform via the portal or the APIs and is designed for customization and granularity necessary to efficiently manage subscription billing and support ecommerce merchants as they scale and optimize.