Better is a white-label, AI-based platform that recovers declined card transactions in real time for merchants and payment providers.

Who are Better's investors?

Better's investors include Techstars.

Where is Better headquartered?

Better is headquartered in Tel Aviv, IL.

Better

Techstars '25

Tel Aviv, IL · 6 employees on LinkedIn · 1 known investors

Find your way into Better

Better is a fintech company that recovers declined transactions for merchants, helping them improve payment success rates and consumer experience.

Also known as Better · BetterCharge

AI & Machine Learning Fintech SaaS

Investors · 1

Techstarslisted by TechstarsBoulder · $220K

How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us

Funding

SEC filings, press & company announcements

Undisclosed amountPre-SeedDec 2024
Source ↗

Source: company announcements and press reports — follow each round's link for the claim.

Company profile

researched Sep 2026

Better (bettercharge.ai) is a fintech company offering a white-label payment recovery platform aimed at payment service providers, acquirers, payment facilitators, payment orchestrators and online merchants. The platform analyzes card transactions that have been declined and attempts to convert them into successful payments in real time, using what the company describes as AI and behavioral analytics applied to behavioral and transactional signals.

The product is positioned as an addition to existing payment flows rather than a replacement: the company states it requires no checkout changes, adds no friction for end users, and runs in the background of existing processing stacks. Integration is described as white-labeled and API-based, with go-live timelines measured in days. The company frames its focus as complementary to conversion-rate optimization, targeting transactions already treated as lost rather than the initial authorization attempt.

Publicly stated performance claims include recovery of more than 30% of declined transactions and revenue uplift of up to 5% for clients. The company's mission statement describes recovering lost revenue from declined transactions and improving the payment experience for both businesses and consumers.

Founding story

Better was founded by Roy Gabriel, who serves as CEO. The company describes its origin as addressing a gap in the payment ecosystem — declined transactions and the revenue lost with them — by building a platform to convert declines into completed payments. Gabriel's background spans fintech and payments, including being one of the first employees at Payoneer and subsequently co-founding and joining startups working in card acquiring, payment processing, issuing, digital wallets and salary advance products.

Business model

Better licenses its recovery engine as a SaaS platform, offered white-labeled to payment service providers, acquirers, payfacs and orchestrators, which can in turn extend it to their merchant bases; it is also positioned for direct use by online merchants.

Traction

The company publishes claimed outcome figures of over 30% of declined transactions recovered and up to 5% revenue uplift for clients, and cites an endorsement from the CEO of PayU GPO.

▸Full profile — market position, technology, go-to-market, geography, history

Market position

Better positions itself in a niche adjacent to payment conversion optimization, focusing specifically on recovering transactions after a decline rather than on improving initial authorization rates. A quoted endorsement from Daniel Cohen, CEO of PayU GPO, frames declined-transaction recovery as untapped potential relative to conversion-rate optimization.

The company emphasizes real-time recovery of already-declined card transactions, invisibility to merchants and end users (no checkout changes or added friction), full white-labeling, and rapid integration.

Technology

A SaaS-based recovery engine that evaluates declined card transactions instantly using behavioral and transactional signals, described by the company as proprietary AI technology. The platform integrates through flexible APIs, operates without changes to the merchant checkout, and is presented as built for accuracy, uptime and auditability.

Go-to-market

Distribution is primarily indirect and white-labeled through payment providers and orchestrators, which embed the recovery engine in their own platforms, alongside direct engagement with online merchants; the website drives inbound contact through 'get started' inquiry flows.

Payment service providers, acquirers, payment facilitators and payment orchestration platforms, as well as online merchants seeking to reduce declined-transaction losses.

Geography

Headquartered in Tel Aviv, Israel, with the product marketed to payment providers and merchants without a stated regional restriction.

History

The company describes being created to recover revenue from declined transactions and to streamline the payment journey, building partnerships with merchants, payment providers and orchestrators.

Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported

Declined transactions recoverableJan 202630%

HeadcountAug 20266

Revenue uplift for clientsJan 20265%

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Competitors · 7

by search overlap

Kipp7 shared keywordsKipp is a platform that connects card issuers and merchants in real-time to reduce declined transactions, particularly for insufficient funds scenarios. Issuers set approval rules and pricing, while merchants bid to have transactions approved, allowing both parties to unlock revenue without sharing sensitive data.

Capital One6 shared keywordsCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.

LendEDU6 shared keywordsLendEDU publishes educational resources and comparative reviews to help consumers make informed financial decisions about loans, mortgages, and other financial products. The company earns revenue from affiliate partnerships with financial service providers featured on its platform.

Self6 shared keywordsSelf provides credit-building tools and savings products designed for people with low or no credit history. The company serves individuals seeking to build or rebuild their credit scores to access financial opportunities.

Remitly6 shared keywordsRemitly is an international money transfer service that enables customers to send money across borders to multiple countries.

Upflow6 shared keywordsUpflow provides financial relationship management software that helps B2B finance teams optimize cash flow and accelerate collections through dashboards, payment automation, and integrated workflows. The platform offers live financial forecasting, automated payment reminders, and modern payment options to reduce days sales outstanding and improve customer relationships.

Experian5 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.

Companies competing with Better for the same Google search keywords, organic and paid, via search-intersection analysis.

▸Research sources · 8

primary sources listed

Betterbettercharge.ai · web

8 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Better do?: Better is a white-label, AI-based platform that recovers declined card transactions in real time for merchants and payment providers.
Who are Better's investors?: Better's investors include Techstars.
Where is Better headquartered?: Better is headquartered in Tel Aviv, IL.