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Map every journey and see risk, cost, and customer in one place. Replace the loudest voice in the room with evidence the board can trust.

Journeys / Payments

Failed payments

↻ Mark reviewed✎ Edit
Reviewed14d ago|HarmSevere|Annual cost£332k
Journey flow
History
Compliance
Finance
Operations
01Trigger

A scheduled payment fails — Direct Debit, card, or standing order bounces.

I got a text saying my payment didn't go through…
Outbound payment is rejected by the scheme or counterparty
Core banking
Cost£0.80
Drop-off0%
02Discover

Customer is notified the payment failed and tries to find out why.

I had no idea why it bounced…
Failure notification sent to customer (SMS + push)
Notifications
Cost£0.30
Drop-off8%
£42k/yr at risk
Customer opens Help Centre 'why did my payment fail?' article
Help centre
Cost£0.20
Drop-off11%
03Contact

Many customers call rather than self-serve — branch handling drives the cost.

I had to call to figure out what to do next…
Customer calls the payments support line
Phone
Cost£18.00
Drop-off24%
£1.8m/yr at risk
Agent identifies failure reason and confirms next steps
CRM
Cost£3.20
Drop-off5%
04Service

Retry is scheduled or alternative payment route taken; fees applied or waived.

They said they'd try it again in 3 days…
Payment retry scheduled or rerouted
Internal tooling
Cost£24.00
Drop-off18%
£980k/yr at risk
Failed-payment fee applied (or waived under policy)
Core banking
Cost£2.80
Drop-off4%
05Closure

Payment clears on retry or customer pays via alternative; case closed.

It went through the second time, thankfully…
Payment successfully settles on retry
Core banking
Cost£1.40
Drop-off3%
Confirmation sent and case closed
Email
Cost£0.50
Drop-off1%

Growth is outpacing
your operations.

Why is my card declined?×412
What's my sort code?×388
Have you received my payment?×301
When will my transfer arrive?×277
Can you reset my password?×244
01 · Visibility

You don't know where journeys break.

Customers repeatedly get stuck, escalate, or drop out - but the failure points stay invisible.

Service cost£14.2m
└ Repeat contacts£3.1m
└ Re-work£1.4m
Headcount£22.8m
└ Avoidable hours£4.6m
02 · Cost

You don't know what it's costing.

Failure demand hides inside service costs, headcount, and complaints — never as a clear number on the P&L.

1.Fix payment retriesROI ?
2.Reduce auth frictionROI ?
3.Rewrite onboardingROI ?
4.Add chat fallbackROI ?
03 · Decision

You don't know what to fix first.

Teams run on intuition and backlog, not on where investment will drive the highest return. The loudest voice wins.

Our thesis

Run operations
as a system.

Most companies don’t run operations as one system. They run on tools, teams, and workarounds. That’s why it’s hard to see what’s broken, what it costs and what to fix.

Two obsidian tiles — one streaming live charts of light, one engraved with the Exara mark
  1. 01

    Complexity compounds.

    As you scale, operations get harder to manage.

  2. 02

    The map lives in heads.

    Operations are spread across tools and people - not in one system.

  3. 03

    Operations is an asset.

    It can be measured, improved and invested in like anything else.

Weshowyouwhereyourcustomeroperationsarefailing,whatit’scosting,andwhattofixfirst.
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Where are all our failure points across every journey?
What is each failure point costing us?
Which journeys have the thinnest data and need filling in?
If I have £500K to invest, which journey gives the highest return?

One journey,
three points of view.

One system. Three ways to see it: risk, cost, and customer.

Have a defensible answer in seconds.

Every step ranked by harm to the customer, with the FCA outcome it serves and the evidence dated. The first defensible answer when the regulator calls.

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