Churn mitigation

Relentless revenue recovery

Recover what's yours. From invisible technical failures to active cancellations, PaymentKit provides the independent tools to keep your subscribers billed and active.

The dunning success rate chart tracking past-due, in-dunning and recovered invoice value by month

A dunning system that actually thinks

Stop relying on "blind retries." PaymentKit uses a smart dunning system that adapts its strategy based on the nature of the failure and the subscriber's billing cycle.

Dunning rules built from country, card brand and card type conditions

Most churn isn't a decision

See how smart payment retries work
  • Involuntary by default

    The majority of subscription churn starts as a failed payment, not a cancellation: insufficient funds the day before payday, a reissued card, a cautious bank. The customer never chose to leave.

  • Recovery, not repetition

    Blind retry timers burn attempts and gateway goodwill. PaymentKit's smart payment retries re-attempt each failure at its most likely moment, guided by the decline code and the billing cycle.

Intelligent dunning

  • Adaptive workflows

    Trigger brand-matched email sequences that adjust tone and urgency based on the failure category.

  • Self-service recovery

    Direct customers to a secure customer portal to update payment methods. Once updated, PaymentKit instantly triggers a retry across your preferred PSP.

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A dunning sequence stepping through retries and recovery emails

Failover orchestration

  • Automatic failover

    When a processor outage or hard decline threatens a renewal, PaymentKit instantly re-routes the charge to a healthy backup processor.

  • Cascading recovery

    Soft declines cascade through your other PSPs in priority order until the payment clears, so one processor's failure never becomes a canceled subscription.

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A declined renewal failing over to a secondary processor

One command center

Total flexibility with zero implementation barriers

PaymentKit is your command center. We optimize the entire lifecycle of a dollar, from the moment a customer signs up to the moment that revenue hits your bank.

Whether you’re a startup looking to launch in hours or an enterprise building a custom checkout experience, PaymentKit scales to your technical needs.

No code

Launch subscriptions, invoices, checkout, and customer portals without writing a single line of code.

Yes code

Integrate in under an hour with clean APIs, SDKs, and a robust sandbox so you can build and deploy without downtime.