Most of your churn was never a decision
Somewhere between a third and a half of subscription cancellations start as a failed card, not an unhappy customer. Recovering those is the cheapest growth available to you.
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The revenue leaks nobody puts on a dashboard
Every one of these shows up as churn in the board deck, which is why it never gets fixed as a payments problem.
Reissued cards
A customer's bank sends a new card after a breach. Nothing about their intent changed, but your next renewal declines and the account cancels.
Naive retry loops
Retrying the same declined card at the same hour for three days straight recovers almost nothing and looks like card testing to the issuer.
Cross-border declines
International subscribers routed through one domestic acquirer decline far more often than the same card acquired locally.
Proration by hand
Mid-cycle upgrades, seat changes and plan swaps get calculated in a spreadsheet, and finance spends the month reconciling the difference.
Silent failures
The customer never learns the payment failed. They discover it when the product locks them out, and by then the goodwill is spent.
Billing logic in the product
Pricing rules baked into application code means every packaging experiment becomes an engineering ticket and a deploy.
What recovery is actually worth
These are not marginal percentages. On a book of any size, involuntary churn recovery outperforms most acquisition spend.
Renewal night, before and after
A reissued card declines and the subscription cancels automatically.
Account updater refreshes the credential before renewal, so the charge simply succeeds.
Three identical retries at midnight, then a cancellation email.
Retries timed against issuer and network behaviour, spread across the days that actually convert.
An overseas subscriber declines every month with no explanation.
Local acquiring in your main markets, with routing chosen for authorisation odds.
A mid-cycle seat change becomes a manual credit note.
Proration calculated at the moment of change and reflected on the next invoice.
The customer finds out payment failed when the product locks them out.
A dunning sequence reaches them while the card is still recoverable.
New packaging needs a sprint and a deploy.
Plans, tiers and usage rules are configuration, so pricing experiments ship the same day.
The subscription payments stack
Subscription models we support
If it renews, it fits — the pricing shape is configuration, not custom code.
Seat-based B2B SaaS
Per-user pricing with mid-cycle seat changes prorated automatically.
Usage & metered products
API calls, storage, compute or events billed on consumption with overage tiers.
Consumer subscriptions
High-volume monthly plans where a point of recovery is worth real money.
Subscription commerce
Physical replenishment boxes with skip, swap and pause built in.
Education & memberships
Term-based access, cohort billing and instalment plans.
Enterprise contracts
Annual invoicing on ACH or wire, with usage true-ups at renewal.
Moving your billing without breaking renewals
A subscription migration goes wrong in predictable ways. Planning for these is most of the work.
Before the cutover
- PCI-compliant token import from your current processor
- Full plan and price catalogue mapped and reviewed
- Renewal dates and billing anchors preserved exactly
- Sandbox replay of a full billing cycle
During the cutover
- Run both systems in parallel for one cycle
- Reconcile every invoice from the parallel run
- Webhook consumers pointed and verified first
- A tested rollback path at every step
After the cutover
- Authorisation rate compared against your old baseline
- Dunning sequence tuned on real recovery data
- Account updater confirmed active across the base
- Revenue recognition reports reconciled to finance
We spent two quarters building win-back campaigns for churned accounts before anyone checked why they left. Nearly forty percent had simply failed a renewal. Fixing dunning recovered more revenue than the entire campaign did.
Frequently asked questions
Still unsure about something? Our team answers in plain language — no sales script.
Ask a questionFind out what involuntary churn is costing you
Send us a month of failed charges and we will show you what a properly timed recovery sequence would have saved.