Fix card declines with data-driven retry logic & recovery rates

Fix card declines with data-driven retry logic & recovery rates targets a $6.0B = 5M online merchants x $1.2K ACV (global merchants who could pay for payment-recovery/optimization SaaS annually) total addressable market with medium saturation and a year-over-year growth rate of 12% (payments-ops & subscription tooling market growth estimate).

Key trends driving demand: Subscription economy -- more businesses rely on recurring payments so failed payments cost LTV and growth; Card-not-present growth -- online transactions increase absolute declines and nuance in authorization outcomes; ML for small-signal prediction -- better models make per-code recovery probability estimations feasible; Payment orchestration growth -- merchants expect multi-provider tooling and fine-grained retry/failover control.