Every failed deposit is a client you paid to acquire and then lost.
Deposits fail. PSPs decline. Cards get flagged. The vast majority of it is recoverable if the system reacts intelligently in the moment — instead of waiting for the client to try again on their own (they usually don't).
Where deposit revenue leaks.
Between 20% and 35% of retail broker deposit attempts fail — soft declines, hard declines, 3DS drop-off, PSP capacity, card issuer risk rules, currency mismatch. Most of them are recoverable. Almost none of them are recovered, because the CRM sends a generic 'your deposit failed' email and the client walks.
Chargebacks compound the problem from the other end. A broker with even a modest chargeback ratio pays it on the acquiring side (fees, reserves, potential MATCH-list exposure) and on the reputation side.
What good deposit intelligence looks like.
Not a payment gateway. A layer that sits between your CRM, your PSPs (Praxis, Match2Pay, PayRetailers, Zotapay, Confirmo) and your risk stack, doing four things:
- Intelligent routing: pick the PSP most likely to approve this specific card, in this specific currency, at this specific hour — before the first attempt.
- Failover: on a soft decline, retry via a different route in seconds, not the next day.
- Abandoned-deposit recovery: reach the client on the right channel (email, SMS, WhatsApp, in-app) with the right message ('your card was declined — try this alternative') within minutes.
- Chargeback triage: pre-empt the highest-risk cases; when disputes come in, auto-assemble the evidence pack.
What KJ Capital ships.
A production deposit intelligence service that integrates with your PSP mix and CRM without replacing either. We deliver:
- A routing model trained on your own deposit history and per-PSP performance.
- A failover orchestrator with retry logic per decline code, per PSP, per jurisdiction.
- An abandoned-deposit recovery workflow across email / SMS / WhatsApp / in-app.
- A chargeback triage engine plus evidence-pack generator.
- Weekly per-PSP scorecards so you know which PSP is actually earning its cut this month.
What the build should be designed to measure.
These are planning targets, not KJ Capital client results or guarantees. The Diagnostic validates baselines, feasible targets and measurement before a Build is scoped.
What buyers ask us about this build.
Q01Does this replace our PSPs?+
Q02Which PSPs do you support?+
Q03Can it handle crypto deposits?+
Q04Does it help with MATCH-list / chargeback ratio management?+
Q05Price?+
What brokers ship alongside this one.
Client Onboarding & KYC
Every dropped applicant between deposit intent and approved account is lost opportunity. We design AI-orchestrated onboarding that can accelerate clear cases, escalate uncertainty to accountable reviewers, and retain the evidence needed for audit.
Retention & Dormancy
The economics of retail broking are simple: you spent hundreds of pounds acquiring each trader. Losing them silently to a competitor after three months is the most expensive thing your business does. We build the AI that catches them before they leave.
IB & Affiliate Intelligence
Most brokers still manage their IB networks on spreadsheets and monthly PDFs. The small IBs never get an activation nudge, the big IBs are never actually audited, and coordinated fraud rings quietly siphon commission. AI closes all three gaps.