Recovery of declined transactions

1. A transaction recovery system, comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the transaction recovery system to perform operations comprising:

after processing a payment transaction request received from a user device of a user, logging the user out of a website of a payment service provider;

subsequent to logging the user out of the website, receiving, from the user device, a request for re-accessing the website, wherein the request comprises an electronic token;

retrieving information related to a transaction associated with the payment transaction request based on the electronic token;

determining that an attempt to process the transaction using a first payment instrument of a user account associated with the user resulted in a failed transaction based on the retrieved information;

automatically logging the user in to the website of the payment service provider using the electronic token included in the request without presenting a login page of the website of the payment service provider on the user device; and

providing, on the website displayed on the user device, an interface that presents the information related to the failed transaction and enables the user to select a second payment instrument of the user account different from the first payment instrument for the transaction.

2. The transaction recovery system of claim 1 , wherein the operations further comprise processing the transaction using the second payment instrument.

3. The transaction recovery system of claim 2 , wherein the operations further comprise:

submitting data associated with the first payment instrument of the user account and the transaction to a payment network;

receiving an indication that the transaction using the first payment instrument has failed; and

storing transaction data associated with the transaction, the first payment instrument used for the transaction, and the indication as part of the information related to the transaction.

4. The transaction recovery system of claim 3 , wherein the indication further indicates a cause of failure, wherein the interface provided on the user device further presents the cause of failure.

5. The transaction recovery system of claim 3 , wherein the payment transaction request was received from the user device via a website of a merchant, and wherein the operations further comprise transmitting an error code to the website of the merchant based on receiving the indication.

6. The transaction recovery system of claim 1 , wherein the payment transaction request was received from the user device via a website of a merchant, and wherein the operations further comprise:

receiving user credentials for logging the user in to the website of the payment service provider in association with the payment transaction request; and

in response to logging the user in to the website of the payment service provider, transmitting the electronic token to the website of the merchant.

7. The transaction recovery system of claim 1 , wherein the operations further comprise:

accessing a plurality of payment instruments associated with the user account;

determining a subset of payment instruments by excluding at least the first payment instrument from the plurality of payment instruments; and

presenting the subset of payment instruments on the interface provided on the user device.

8. A method, comprising:

receiving, by one or more hardware processors from a user device via a merchant website, a request for accessing a payment service provider website, wherein the request comprises an electronic token associated with a user account;

determining, by the one or more hardware processors, that the electronic token is associated with a previous payment request for a transaction;

retrieving, by the one or more hardware processors, information related the transaction based on the electronic token;

determining, by the one or more hardware processors, that a previous attempt to process the transaction using a first payment instrument of the user account associated with the user failed based on the retrieved information;

automatically authenticating, by the one or more hardware processors, the user with the payment service provider website using the electronic token included in the request without receiving authentication data through the user device; and

providing, on the payment service provider website displayed on the user device, an interface for initiating a second payment transaction request for processing the transaction using a second payment instrument different from the first payment instrument.

9. The method of claim 8 , further comprising:

transmitting data associated with the first payment instrument to a payment network; and

in response to transmitting the data to the payment network, logging the user out of the payment service provider website.

10. The method of claim 8 , further comprising:

receiving, from the user device, credentials for logging the user in to the payment service provider website;

generating the electronic token based on the credentials and the information related to the transaction; and

transmitting the electronic token to the merchant website.

11. The method of claim 8 , further comprising:

receiving an indication that the previous attempt failed;

generating an error code based on the received indication; and

transmitting the error code to the merchant website.

12. The method of claim 11 , wherein the transmitting the error code to the merchant website causes the merchant website to redirect the user device to the payment service provider website.

13. The method of claim 8 , wherein the interface includes input fields for receiving information associated with the second payment instrument from the user.

14. The method of claim 8 , further comprising selecting, from a plurality of payment instruments associated with the user account, the second payment instrument for processing the transaction, wherein the interface presents information associated with the second payment instrument.

15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

in response to processing a first payment transaction request received from a user device of a user, logging the user device out of a website of a payment service provider;

subsequent to logging the user device out of the website, receiving, from the user device, a request for re-accessing the website, wherein the request comprises an electronic token associated with an account of the user;

retrieving information related a transaction associated with the payment transaction request based on the electronic token;

determining a number of attempts to process the transaction using one or more payment instruments of the user account have all failed based on the retrieved information; and

in response to determining that the number of attempts is below a threshold number, automatically logging the user device in to the website of the payment service provider using the electronic token included in the request to bypass a login page of the website of the payment service provider.

16. The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise in response to determining that the number of attempts exceeds the threshold number, denying the user device access to the website of the payment service provider.

17. The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:

in response to automatically logging the user device in to the website of the payment service provider, providing, on the website displayed on the user device, an interface for initiating a second payment transaction request for processing the transaction.

18. The non-transitory machine-readable medium of claim 17 , wherein the operations further comprise:

determining a first payment instrument of the user account that is different than the one or more payment instruments used in the number of failed attempts to process the transaction of the user account, wherein the interface for initiating the second payment transaction request for processing the transaction comprises information associated with the first payment instrument.

19. The non-transitory machine-readable medium of claim 18 , wherein the operations further comprise:

in response to receiving the second payment transaction request, submitting information associated with the first payment instrument to a payment network.

20. The non-transitory machine-readable medium of claim 15 , wherein the first payment transaction request was received from the user device via a website of a merchant, and wherein the operations further comprise:

receiving user credentials for logging the user device in to the website of the payment service provider in association with the first payment transaction request; and

in response to logging the user device in to the website of the payment service provider, transmitting the electronic token to the website of the merchant.