Lojistas podem recuperar 43% das vendas com IA na Black Friday

Transactions declined by the card issuer, technical issues in communication with the acquirer, and authorization timeouts are some examples of obstacles that a large portion of online businesses will experience on a large scale during the next Black Friday. In the payments sector, this type of loss is still treated as inevitable and represents billions in wasted revenue every year. With a new proprietary artificial intelligence integrated into its payment infrastructure, Barte, a fintech that offers a modular system of payment solutions for medium and large companies, aims to recover 43% of sales lost by merchants. 

Officially launched in September of this year, the tool automates a post-sale process that still occurs manually in the payments market. According to data from the Brazilian Association of Credit Card and Services Companies (Abecs), the use of cards on the internet, in applications, and other types of non-face-to-face purchases reached R$ 979.4 billion in non-face-to-face payments in 2024. Another figure from last year, from the PYMNTS/Spreedly report, shows that over 10% of online transactions failed for e-commerce businesses. According to Barte, the solution is pioneering in Brazil, operates in real-time, and demonstrates effectiveness 45.5% superior to proprietary systems used by some clients, performing recoveries within up to two hours. 

When a transaction is declined, the AI automatically contacts the buyer via WhatsApp, explains the reason for the decline, and guides them on how to approve the purchase. The technology also makes a complementary automatic phone call when necessary, significantly increasing the recovery rate, all in a natural, fast, and integrated manner within Barte's payment infrastructure.

“Products based on artificial intelligence already account for about 10% of our revenue. Even with one of the highest approval rates in the market (98%), here, our focus is to transform the post-checkout into a business asset. By automating this process, we eliminate frictions that previously seemed natural but cost millions in revenue,” states Raphael Dyxklay, president and co-founder of Barte. 

After its launch, the solution began to be activated by different companies and has already demonstrated efficiency in recovering declined sales. During November, the tool will be available at no additional activation cost. The company is also evaluating extending the technology beyond its current customer base.