Smart retries, card account updater, proration, and multi-PSP failover — 10–30% of involuntary churn recovered automatically. Focus on product; billing just works.
Subscription SaaS loses 10–30% of revenue to involuntary churn — mostly soft declines on otherwise valid cards. The fix isn't "more retries": it's smarter retries across multiple providers, with card lifecycle tracking and timezone-aware scheduling.
Building that in-house is a six-month project you didn't plan for. With Paynexus it's a configuration flag on your subscription object.
Smart retry schedules and multi-PSP failover turn soft declines into successful charges — without annoying customers.
No more "payment retry" sprints. Retry logic, backoff schedules, and SCA handling ship as platform features.
Four retry attempts across different PSPs beats twenty attempts on the same processor. Lower decline saturation, higher recovery rate.
One subscription object; multi-currency pricing, tax, and SCA handled globally. Launch international plans without new billing code.
Exponential backoff tuned per PSP, timezone-aware (retry when your customer's card issuer is fresh in the morning), and provider-aware — skip a PSP if it has been returning soft declines.
Expired, lost, reissued, upgraded — cards change all the time. Card Account Updater silently refreshes tokens in the background via supported PSPs so your customer never sees a decline.
Soft decline on PSP A? Next retry hits PSP B. Third retry hits PSP C. Different acquirers, different fraud models — dramatically higher recovery than retrying on the same rail.
Upgrade mid-cycle and we prorate automatically. Downgrade, and we credit forward. One API call per plan change; the math is ours.
Pause a subscription for a week, a month, indefinitely — or on a custom schedule. Resume picks up where it left off with prorated billing. No custom code on your side.
PSD2 Strong Customer Authentication triggers only when required, via frictionless 3DS when possible. Step-up challenges are deferred to moments that don't break renewal flow.
Exchange the customer's card for a reusable token via our tokenization endpoint or a PSP's hosted fields. You never touch raw card data.
Format: sub_{customer_id}_{period}. Same key, same response — retries are safe, duplicates are impossible.
Set recurring.retry_strategy: "smart" and a grace_period_days. We handle the schedule, the multi-PSP failover, and the SCA flow.
You only care about two events: deposit.completed (grant access) and deposit.failed after all retries exhausted (offboard gracefully). Everything between is our job.
Drop Paynexus in front of your existing billing system. See recovery lift within weeks.