PAY
Telpa Pay
Accept card payments on proven infrastructure, with interchange and scheme fees passed straight through at cost and one transparent fee on top.
Explore Telpa Pay →Payments & billing infrastructure
Payments infrastructure for mobile operators.
When your subscriber says yes, your payment system should say yes too. Telpa is the payments stack built for US MVNOs. It uses issuer signals and network intelligence to approve more legitimate charges, recover the ones that fail, and defend the revenue once it lands.
What Telpa is
Running an MVNO means billing thousands of subscribers on thin margins, every month, forever. The payment layer underneath that is where revenue is quietly won and lost.
Telpa is one platform for all of it. Accept payments on transparent, pass-through pricing. Get more of them approved. Recover the ones that fail. Defend the revenue once it lands. No blended rates hiding your true cost, and no stitching together four vendors to do it.
One platform, four products
Four revenue leaks. One stack to close them.
AUTHORIZE
Telpa Authorize
Lift your approval rates by fixing the data, tokens, and routing that quietly cost you legitimate payments.
Explore Telpa Authorize →RENEW
Telpa Renew
Recover failed recurring charges with agentic retries and outreach that saves the subscriber instead of scaring them off.
Explore Telpa Renew →DEFEND
Telpa Defend
Protect recovered revenue from disputes and fraud, and keep your merchant standing healthy.
Explore Telpa Defend →An agentic layer across every payment
AI agents that watch every transaction and act on it in real time.
This is not a dashboard you have to operate. It is infrastructure that does the work for you, on every line, every cycle. The system learns from every outcome, so your approval and recovery rates improve the longer you run it.
01
Decides.
Agents choose the best route, the right retry moment, and the next action for every transaction.
02
Acts.
Recovery, dispute responses, and fraud screening happen automatically, not in a queue waiting for someone to clear it.
03
Learns.
Every approval and decline feeds back in, so performance compounds over time.
Built for the way MVNOs actually bill
Not retrofitted from a generic subscription tool.
Purpose-built for US MVNOs
Tuned for recurring monthly billing, thin margins, and the real differences between Lifeline and commercial subscribers.
Transparent by default
You see exactly what you pay the card networks and exactly what you pay Telpa. Nothing is bundled into a blended rate.
On proven infrastructure
Telpa runs on the same enterprise-grade payments rails that power some of the largest platforms in the world.
Already inside your stack
Telpa works with the billing and processing setup you run today. You do not rip anything out to turn it on.
Payment performance, quantified
The biggest revenue lever in the MVNO model is the one nobody watches.
Industry standard
40
%
of subscriber churn is involuntary. It is payment failure, not a decision to leave.
How Telpa improves it
Telpa catches the failing payment before the line drops, so involuntary churn stops being a number you absorb.
Every one of those subscribers still wanted the line. Approve more, recover the rest, and keep them on.
Industry standard
10–15%
of recurring charges fail on the very first attempt.
With Telpa
Issuer-aligned routing and tokenization win back a large share of those before they ever decline.
Industry standard
30–50%
of failed charges are recoverable with intelligent, reason-aware retries.
With Telpa
Agents retry each one at the moment approval is most likely, and recover them automatically.
Industry standard
~51%
of prepaid churn is payment-driven, and prepaid is where MVNOs live.
With Telpa
The payment cause is fixed first, so fewer prepaid lines drop for a reason the subscriber never chose.
Industry-standard figures reflect subscription and card-payment benchmarks, 2024–2026. Telpa improvements shown are directional.
From an operator running it
Telpa recovered thousands of transactions we used to write off with Stripe. The subscribers we were quietly losing to failed payments are still with us, month after month. They've been a real partner to our growth, not just a processor.
Works with your stack
50+ integrations, so you don’t have to disrupt your current stack.
Telpa connects to the billing, OSS/BSS, gateway, and card-network layers you already run. Keep your stack. Add the payment performance layer on top.
See all integrations →Billing Service Providers
Adyen
Visa
Mastercard
American Express
Discover
Apple Pay
+ 40 more
Pricing you can read
Transparent pricing. No blended markup.
You always see exactly what you pay. The network cost and the Telpa platform fee, as separate line items, every time.
TELPA
Cost plus
YOUR SAVING
Lower total.
Fully itemized.
Fully itemized.
OTHERS
Stripe
Braintree
Vesta
Braintree
Vesta
Higher total. Margin bundled inside.
Interchange and scheme fees passed through at cost. One platform fee on top. No blended rate.
Illustrative. Segments not to scale.
See what you're leaving on the table.
Tell us your subscriber base and billing setup, and we will show you where Telpa recovers revenue you are losing today.