When a processor goes down, you don't.
NeverDown is an AI-powered, processor-agnostic routing layer that sits above your merchant accounts. When one is frozen, terminated, or degraded, we reroute traffic to a healthy account in sub-seconds, no re-collecting cards, no broken checkout.
Tokenize once, route anywhere · PCI DSS Level 1 · 4 gateway adapters live
Incoming
1,284/s
tokenized · card-on-file
NeverDown
Stripe
98.9% appr
NMI
99.4% appr
Authorize.net
TERMINATED
Maverick Bancard
99.1% appr
Authorize.net frozen — rerouted 1,284 tps to NMI in 412ms. Zero checkout errors.
The problem
Losing a merchant account isn't an inconvenience. It's an outage.
Continuity billing, nutra, CBD, gaming-adjacent, travel — mainstream orchestrators like Spreedly and Primer won't even onboard these verticals. That leaves the merchants who need failover most with none.
Overnight
Termination with no notice
Acquiring banks freeze funds and kill accounts the moment a chargeback ratio, refund rate, or volume spike trips a threshold.
1 account
One point of failure
Most high-risk merchants run on a single high-risk-friendly processor. When it drops, so does 100% of revenue.
Manual
Reroute after the outage
Teams juggling multiple accounts still cut over by hand — always reacting after processing has already gone dark.
How it works
A routing layer above every processor you hold.
NeverDown is not a gateway. It sits above Stripe, Authorize.net, NMI, and Maverick Bancard — holding a normalized view of transactions, account health, and card tokens.
Sub-second failover
The routing engine detects a frozen, terminated, or abnormally declining account and reroutes traffic to a healthy processor in low-seconds — automatically.
Health-aware, proactive routing
We spread volume across your account portfolio to stay under processor risk thresholds — before an account ever gets flagged, not after it's dead.
Tokenize once, route anywhere
A single integration point. Cards are vaulted centrally so traffic can move between processors without rebuilding checkout or re-collecting card data.
Routing & eligibility engine
Transaction-level processor selection with soft-vs-hard decline handling and retry logic tuned for continuity billing.
Independent system of record
NeverDown holds a canonical view of transaction, chargeback, and refund history that survives even if you lose dashboard access to a terminated processor.
PCI DSS Level 1 vaulting
Compliant card vaulting and tokenization at the core, so your PCI scope shrinks while your processor optionality grows.
Gateway adapters
One interface. Every processor relationship you already hold.
Each adapter normalizes a processor into NeverDown's canonical transaction model. Add accounts as you acquire them through partner banks — routing picks up the new capacity instantly.
Built for high-risk
The verticals mainstream orchestrators decline.
NeverDown is purpose-built for MCC-flagged categories under elevated chargeback and regulatory scrutiny — the merchants who feel a termination event the hardest.
- Subscription & continuity billing
- Nutraceuticals
- CBD / hemp & adjacent
- Gaming & gambling-adjacent
- Adult content & services
- Travel / advance-payment
What we optimize
We sell continuity, not cost.
< 1s
Time to automatic reroute during a termination event
~0
Revenue-impacting processing gaps, by design
+ pts
Approval-rate uplift vs. a single-processor baseline
1×
Integration to tokenize — route across every account
Pricing
One plan. Continuity included.
No per-seat surprises, no enterprise gatekeeping to get failover. Bring the processor accounts you already hold and start routing across them.
Growth
Current plan- Multi-processor orchestration with health-aware routing and automatic failover
- 6 processor accounts
- 10 team members
- 50,000 transactions / month
Need more? Contact us for higher volume, more processor accounts, or additional seats.
Stop betting your revenue on one processor.
Bring the accounts you already hold. We'll route across them, keep an independent record, and keep you processing through the next termination event.
V1 onboarding · Stripe, Authorize.net, NMI, Maverick Bancard