Payment recovery for every business you power.

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. We make this a breeze.
• 
  Pipe in key customer data — by leveraging your business' bespoke customer attributes, create highly-targeted dunning segments that take into account plan, type, duration, and so much more.
• 
  Control design and messaging — match your dunning emails to your brand guidelines with ease. Push campaign copy changes with one click. Preview campaign scenarios for any invoice or customer ID.

SMS Campaigns

See 3-4x more recoveries than email by leveraging SMS

SMS is a natural extension of our messaging ecosystem. Simply toggle on SMS as a channel, customize the copy if you'd like, and Churnkey will take care of the rest.

• 
  Send from a local number — have a customer base that lives within certain area codes? No problem. We can provision local numbers to increase trust and response rates.
• 
  Peace of mind — since SMS has a 98% open rate (versus ~20% for email), you want to ensure every detail is correct. 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. The result? Increased trust plus guaranteed conversion rates on our mobile-optimized checkout flow.

A/B Testing

Split test your campaigns to find what actually recovers more revenue

Run controlled experiments with 95% statistical confidence and let the data decide which message, time or approach works best.

• 
  Recovery rate as the primary metric — every test is measured against what matters: did the payment get recovered? Revenue is tracked alongside for full business context.
• 
  Validate before you roll out — test new strategies on a subset of campaigns before committing. Reduce risk and build confidence in every change you make.
• 
  Monitor and act in real time — pause, resume, and watch results come in as they happen. Declare a winner the moment statistical significance is reached.

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. Who's the right person to contact? Should you loop in multiple people? How does that even work? With our Billing Contacts API, we'll solve this for you.

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

A Unique Take on Retries

Precision Retries: driven by decline codes—and a whole lot more...

You only get a handful of attempts to retry a credit or debit card, so you've got to use them wisely. We group retry attempts by decline type (hard vs. soft), intelligently getting to work on codes for insufficient funds, try again later, and others. Hard declines automatically get handled by our powerful campaign infrastructure.

Leveraging Our Vast Dataset

Optimized with benchmark data and machine learning for optimal performance

Our machine learning models learned from tens of millions of transactions to identify the most effective retry strategies. This means we can pinpoint the optimal times and frequencies for retrying failed payments, maximizing your recovery rate. By leveraging this data-driven approach, we ensure that you're not just retrying payments, but doing so in the most intelligent and efficient way possible.

An Answer to Hard Declines

Retries backed up by effective dunning campaigns when it's needed

Sometimes a more personal touch is needed. That's why we've designed our dunning campaigns to complement our automated retry system. These carefully crafted email sequences reach out to customers when automated retries haven't succeeded or the decline code makes it difficult to recover with Retries alone.

Clear Metrics

Track metrics like recovered revenue, failed payment reasons, campaign progress, and more

You'll always have the right data at your fingertips in real-time so you can make the most relevant decisions. Debit cards failing more often? Campaign underperforming? You'll know right away so you can act quickly for your business.