---
title: "Dunning Campaigns — Omnichannel Payment Recovery"
description: "Personalized email, SMS, and in-app payment recovery campaigns that maximize revenue recovery while respecting your customers' experience."
canonical: "https://churnkey.co/feature/payment-recovery/dunning-campaigns"
category: "feature"
related:
  - /feature/payment-recovery/index.html.md
  - /feature/payment-recovery/payment-retries/index.html.md
  - /feature/cancel-flows.html.md
last_updated: "2026-02-25"
---

# Omnichannel Dunning Campaigns

## Overview

With hard card declines on the rise, where do you turn? Churnkey's personalized email, SMS, and in-app payment recovery solutions maximize revenue recovery while respecting your customers' experience.

When payment retries come up against hard declines, it's time for a new strategy to win back hard-won customers. But it's tough to spin this one up on your own, harder even to optimize it across multiple channels. Email, SMS, in-app messaging, and more require a monetization team you don't have.

Because every one of your customers is unique: they speak different languages, live in different time zones, subscribe to different plans, and use different payment methods. In an industry first, Churnkey makes it easy to segment payment recovery campaigns — so every message is personal, relevant, and timely.

- Recover up to 89% of failed payments
- See immediate ROI on day one
- Always fixed fees, never a take rate

## Key Features

### Email Campaigns

Deploy verified, personalized, and segmented email campaigns at scale. Whether you'd like Churnkey to build your campaigns for you, or if you'd like to segment, personalize, localize, and control message timing, our modern email campaign infrastructure has you covered.

- **Send from your verified domain** — signing your domain, verifying sender addresses, and creating white-labeled subdomains increase deliverability, trust, and conversions
- **Pipe in key customer data** — leverage your business' bespoke customer attributes to create highly-targeted dunning segments that take into account plan, type, duration, and more
- **Control design and messaging** — match your dunning emails to your brand guidelines with ease; push campaign copy changes with one click

### SMS Campaigns

See 3-4x more recoveries than email by leveraging SMS. Simply toggle on SMS as a channel, customize the copy if you'd like, and Churnkey takes care of the rest.

- **Send from a local number** — provision local numbers to increase trust and response rates
- **Peace of mind** — since SMS has a 98% open rate (versus ~20% for email), preview any message inline or send yourself on-demand testing campaigns
- **One-tap links** — every SMS comes with a pre-signed URL that uses your verified subdomain for increased trust plus guaranteed conversion rates on our mobile-optimized checkout flow

### In-App Messaging (Payment Recovery Wall)

Improve recovery rates by 12-17% with a tasteful in-app payment reminder. Fully configurable to be as flexible as you need it to be.

- **Simple to deploy within your app** — block feature access across your entire experience, or just display on specific views
- **Collect new card data inline** — no unnecessary page loads or click-outs; customers can update their card right away
- **Control design and behavior** — match the Payment Wall to your brand, copywriting style, and more; decide how aggressive or lenient you'd like to be with "soft" restriction toggles

### Billing Contacts API

Route recovery campaigns to the right person on the team. If your product supports multiple seats or roles, payment recovery campaigns can get tricky. With the Billing Contacts API:

- **Identify key roles** — push your customer data via API and indicate which accounts are owners, billing admins, or whatever indicator of authority you track
- **Launch focused recovery campaigns** — speak directly to the contacts responsible for handling billing for their team
- **See greater results** — experience marked increases in recovery performance among team-based accounts

## Part of the Payment Recovery Suite

Dunning campaigns are one component of Churnkey's comprehensive Payment Recovery suite:

- **[Precision Retries](/feature/payment-recovery/payment-retries/index.html.md)** — ML-driven retry schedules that work with banks without customer intervention
- **Omnichannel Campaigns** — email, SMS, and in-app messaging (this page)
- **Payment Recovery Wall** — in-app messaging to prevent usage in past-due accounts

## FAQ

### What channels are supported for dunning campaigns?

Churnkey supports email, SMS, and in-app messaging (Payment Recovery Wall). Each channel can be configured, branded, and segmented independently so you can escalate outreach based on customer behavior and the severity of the payment failure.

### Can I customize dunning email design and copy?

Yes. Dunning emails are fully customizable — match them to your brand guidelines, push copy changes with one click, and preview campaign scenarios for any invoice or customer ID. Churnkey can also build your campaigns for you.

### How does SMS compare to email for payment recovery?

SMS campaigns typically see 3-4x more recoveries than email, thanks to a 98% open rate versus ~20% for email. Every SMS includes a pre-signed URL using your verified subdomain for increased trust and conversion.

### What is the Payment Recovery Wall?

The Payment Recovery Wall is an in-app overlay that restricts feature access for past-due accounts while allowing customers to update their card inline. It improves recovery rates by 12-17% and is fully configurable in terms of design and restrictiveness.

## Related

- [Payment Recovery](/feature/payment-recovery/index.html.md) — Parent overview of the full Payment Recovery suite
- [Precision Retries](/feature/payment-recovery/payment-retries/index.html.md) — ML-driven retry schedules
- [Cancel Flows](/feature/cancel-flows.html.md) — Personalized retention experiences
- [Webhooks](/feature/webhooks.html.md) — Real-time data integration