Failed payments look like cancellations. Most of them aren't. We win the revenue back.
Declined cards, expired cards, insufficient funds. Automated dunning catches the easy retries. Trained human agents call the customers whose payment failed and recover what the dunning sequence missed. Performance-priced, paid only on recovered revenue.
Recovery rate of 20 to 45% on failed-payment outreach is observed across the recurring-billing book (fitness memberships, med spa packages, subscription ecommerce, franchise membership systems). Actual recovery on the operator's book depends on decline-code mix, card-age distribution, and time-since-failure.
How It Works
Three steps. Automation handles what automation can handle. Humans handle the rest.
Connect Your Billing Stack
Connect your billing platform (Stripe, Braintree, Authorize.net, Recurly, Chargebee, Recharge, or your CRM with billing data). We pull the customers whose recurring-billing payment failed in the last 30, 60, or 90 days, along with decline-code metadata, card expiry windows, and contact information.
Automated Retries and Dunning Run First
Smart retry sequencing handles soft declines. Operator-branded email and SMS cadence handles the customers who just need a nudge. The easy ones recover without any human touch.
Trained Agents Call the Rest
Hard declines, expired cards, customers ignoring the email. A trained agent picks up the phone, not for collections, for a card update. Every call recorded. Recovered payments settle back into the operator's billing system.
Campaigns That Recover the Revenue
Built for the way recurring-billing payments actually fail. Automated where automation works. Human agents where it doesn't.
Smart Retry Sequencing
Soft declines (insufficient funds, temporary holds, network errors) recover on retry if the retry hits at the right time. We sequence retries based on decline-code patterns and historical recovery windows, not a fixed schedule. Catches the easy ones before any human outreach is needed.
Dunning Email and SMS Cadence
Multi-step automated cadence for failed payments that retry logic alone can't solve. Operator-branded, sent on a cadence tuned to the recurring-billing category. Customers update their card without ever talking to anyone.
Human Agent Escalation
For the hard declines and the customers ignoring email: a trained agent picks up the phone. The conversation is not a collections call. It is a "your card stopped working, want to update it" call. Recovers a meaningful share of the failed-payment pool that dunning emails left behind.
Pre-Failure Card Refresh
Cards about to expire are silent churn waiting to happen. We surface upcoming expiries from the billing data and reach out before the first failed charge. Cheaper, higher-recovery, and the operator never has to call it churn.
These are examples. Every campaign is customized to the operator's billing stack, the recurring-billing product mix, and the failure-mode distribution.
We're a Profit Center, Not a Cost
Guaranteed 5x ROI in your first 30 days. $1,000 commitment to start, refunded in full if we don't hit it. After that, you only pay a percentage of revenue we actually recover.
- $1,000 to start, refunded if we don't hit 5x
- You keep 80% of every recovered dollar
- Weekly billing on actual recovered revenue
- First reactivated bookings inside 7 days
How the guarantee works: $1,000 commitment fee to start the 30-day pilot. We use our own trained agents and charge 20% of net recovered revenue, billed weekly. If we don't deliver 5x your fees in the first 30 days, you get the $1,000 back. If we recover $0, you pay $0 in performance fees. Every $1 you pay corresponds to $5 we recovered for you, by structure.
- Trained, dedicated human agents
- Personalized outreach to your lapsed list
- Customer Success Manager
- Weekly performance reporting
- All calls recorded and reviewable
- Campaign playbooks and scripts
- Applies only to lapsed customers we contact who book inside the attribution window
- Excludes normal repeat bookings from active customers
- Excludes refunds and no-shows (net recovered revenue only)
- Excludes existing active customers in your database
What the math looks like (illustrative).
Two worked examples so operators with different recurring-billing footprints see themselves. All numbers below are illustrative and clearly labeled.
Multi-location fitness franchise
- Active recurring-billing members
- 4,500
- Monthly recurring revenue
- $540,000
- Involuntary churn rate (failed payments)
- 6% monthly
- Monthly failed-payment revenue at risk
- $32,400
- Recovery rate from automated retry plus human escalation
- 35%
- Monthly recovered revenue
- $11,340
- Annualized recovered revenue
- $136,080
- Recovered revenue
- $136,080 / year
- WBE fee at performance pricing
- See strategy call
- You keep
- Majority of recovered revenue
- Effective ROI
- Performance
Subscription DTC ecommerce brand
- Active subscribers
- 12,000
- Average revenue per subscriber per month
- $45
- Monthly recurring revenue
- $540,000
- Failed-payment rate
- 9% monthly
- Monthly failed-payment revenue at risk
- $48,600
- Recovery rate from automated cadence plus human calls
- 30%
- Monthly recovered revenue
- $14,580
- Recovered revenue
- $174,960 / year
- WBE fee at performance pricing
- See strategy call
- You keep
- Majority of recovered revenue
- Effective ROI
- Performance
Illustrative only. Recovery rates of 20 to 45% are observed across the recurring-billing book. Actual outcomes depend on billing stack, decline-code mix, card-age distribution, and time-since-failure. Your strategy call will model your actual decline file.
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Great Place to Work 
Top 500 Global BPO Full Transparency
No black boxes. You see everything we do.
Every Call Recorded
Full transparency. Listen to any call, anytime. Quality you can verify.
Always a Real Person
Never bots, never robocalls. Every call is made by a trained human agent.
Human Oversight
Experienced team leads review calls, coach agents, and ensure quality on every campaign.
TCPA & DNC Compliant
We follow all phone outreach regulations. Proper consent, proper timing, proper documentation, and a clean Do-Not-Call posture.
Respectful Opt-Out
Customer says stop? We stop. Immediately. No questions asked.
Frequently Asked Questions
How is this different from the dunning emails our billing platform already sends?
Stripe, Recurly, Chargebee, Braintree all send some level of automated dunning by default. That handles the easy retries. What it does not handle is the customers who never open the email, who deleted the email, who got the email but ignored it, or whose card is permanently expired and needs to be replaced with a new one. Human agents close that gap. The platform dunning runs first; we recover what the platform leaves behind.
Is the phone outreach TCPA and DNC compliant?
Yes. Phone outreach is governed by TCPA and the federal DNC registry. We work from customer phone numbers the operator already collected as part of the billing relationship, respect DNC status, document consent scope, and honor opt-outs immediately. Every call is recorded and reviewable. We do not send marketing emails, so CAN-SPAM is not part of the footprint either.
What billing platforms do you integrate with?
Stripe Billing, Braintree, Authorize.net, Recurly, Chargebee, Recharge (Shopify subscriptions), and most major recurring-billing platforms. For fitness, med spa, and salon operators we also pull billing data from CRMs that handle the billing layer themselves (Mindbody, Zenoti, Vagaro, ABC Fitness, ClubReady). If the platform exports a decline file (CSV, API, or direct connection), we can integrate. Ask on the strategy call if the stack is not named here.
How does pricing work for payment recovery?
Performance pricing: we are paid a percentage of net recovered failed payments. $0 upfront, $0 setup. If we recover nothing, the operator pays nothing. Exact percentage depends on contract term (month-to-month vs annual) and recovery volume. We will share specifics on the strategy call after looking at the decline file.
What counts as a recovered payment?
A previously failed recurring-billing charge (decline within the agreed lookback window, typically 30 to 90 days) where we contacted the customer through automated cadence, human call, or both, and the charge subsequently succeeded inside the attribution window. We track every retry, every call, and every settlement timestamp. Refunds, chargebacks, charges from customers we did not contact, and charges that recovered without any outreach action are all excluded.
Will this conflict with our existing in-house collections or retention team?
No. Most operators do not have a dedicated failed-payment recovery function. Where one exists, we layer in around it: we handle the volume the in-house team does not have capacity for, on the timeline the in-house team cannot cover, and we route hot conversations back to the operator's team if that is the preferred flow. The operator stays in control of how the relationship is handled.
Does this work for subscription DTC ecommerce, or only for service operators?
Both. The same engine that recovers failed gym membership charges recovers failed subscription-box charges. The decline-code distribution is similar (insufficient funds, expired card, fraud-block, etc.) and the human-agent conversation is the same shape ("your card stopped working, want to update it"). Subscription DTC operators get their own customized cadence; service operators get theirs.
There's hidden revenue in your customer list. Let's find it.
Stop writing off failed payments as cancellations. Most of them aren't. Automated retries catch the easy ones. Trained agents call the rest. You only pay a percentage of recovered revenue.