Declined Payments: Open-Sourcing an Agentic Payment Waterfalling Tool

By Filip Michalsky

Here's a stat most people never think about: 10 percent of abandoned checkouts happen simply because the card gets declined.

We think a lot about cascading payments on API-inaccessible websites and acquirers at Soap Payments. Historically, you could not waterfall payments unless there was an API for it. Now with browser agents, that changes.

See live demo here.

We are open-sourcing a POC of an agentic tool that combines API-based with UI-based payments waterfalling.

Built with Stagehand as agent harness, Browserbase for remote headless browsers, Basis Theory for sandboxed card tokenization and sandbox payments APIs from Checkout.com, Stripe, and Adyen.

The future of commerce is changing fast and we are very excited to see what others are building in the space.

OSS link: github.com/filip-michalsky/agentic-waterfall-poc