Customers with $12,000+ across 3 cards get declined when one isn't enough. QUARVO splits the purchase across their existing cards. You get paid in full. They complete the purchase.
Plug in your numbers. Watch the math run.
Customers with combined credit complete the cart—then bounce when one card isn't enough.
Estimates use industry-standard 6.5% high-ticket decline rate and 60% recovery rate from QUARVO early-access merchants. Actuals vary by category.
Stripe Connect handles the money. QUARVO handles the split. You handle the receipts.
Start with the Shopify app — now in final development and launching first. WooCommerce and a Direct API follow on the roadmap. Stripe Connect handles auth in 5 minutes — zero changes to your existing checkout flow.
When their card alone isn't enough, your customer picks "Split with QUARVO". They authorize each card via Plaid. We split the cart optimally across the credit they already own.
Stripe Connect routes a single payment to your account. QUARVO deducts 2% automatically — no invoices, no reconciliation. The decline became a sale.
A real-time simulation of what your customer experiences when their card declines and Quarvo recovers the transaction. Drag the sliders to allocate the split — or hit replay to watch the full flow.
insufficient_credit
Card has $1,800 of $2,400 needed.
Use credit you already have — no new debt, no fee, all rewards preserved.
Allocate exactly $2,400 to confirm.
All animations represent actual production timing. Median wall-clock for a 2-card split is 0.85–0.95s end-to-end. Customer never sees a partial charge — if any auth fails, all are voided atomically before the error is shown.
One install. Stripe Connect routes the money. You keep your checkout, your accounting, your customers.
Native checkout extension. In final development — launching first.
WordPress plugin. Next on the roadmap after the Shopify launch.
For custom checkouts. Two endpoints. Planned after Shopify and WooCommerce.
Quarvo never holds funds, never stores card data, never touches your checkout schema. We're a thin layer of math — the rails are Stripe.
Payments flow into your existing Stripe account. Quarvo never holds funds. Your payout schedule, your dashboard, your tax forms.
Card numbers never reach our servers. Authorization happens via Plaid + Stripe tokens. Your customer's PAN stays at the bank where it belongs.
Compliance inherited from Stripe's Level 1 PCI-DSS certification. Quarvo's scope is reduced to orchestration only — no SAQ on you.
Your existing flow stays exactly as it is. Quarvo appears as one extra option next to your current payment methods. Failed splits cost you nothing.
Mixed for merchants and shoppers. Email support@quarvo.io if yours isn't here.
Deep-dives for merchants on high-AOV decline recovery — the cohort, the math, the architecture, and the playbook.
6.5% of $2K+ checkouts decline. Most merchants book that as "card issue" and move on. The CFO-level math says otherwise.
It isn't price sensitivity. The conversion curve has a knee at $1,500–$2,000 — and the binding constraint underneath it is one most merchants never diagnose.
Architecture deep-dive: atomic two-phase commit across N cards, settled to one merchant via Stripe Connect. Real code, real failure modes.
Honest numbers, segmented properly — by AOV band, vertical, and traffic source. The ramp curve, with variance bands.
Audit, segment, install, measure. A 60-day operational framework for high-AOV merchants — written for ops leaders.
In quantum physics, a quark is the most fundamental particle in the universe. It cannot be divided further. But its real power is not in its size — it's in how it combines with other particles to form something much larger.
Three quarks united form a proton. Only through combination does power exist.
That's exactly what Quarvo does.