Design once. Protect revenue at every location.
Set it up once. Every location, merchant, and connected account in your network gets best-in-class payment recovery.
The problem
Every business in your network loses revenue
Every location is on their own
Most franchisees and merchants don't have the time or expertise to build a recovery program. So most of them don't.
Failed payments multiply with scale
The bigger your network, the more revenue is quietly walking out the door.
You can't fix it one location at a time
Asking each business to solve dunning individually doesn't scale. It also doesn't happen.
Locations that bleed revenue eventually leave
The downstream effect reaches you whether you built the problem or not.
Who this is for
Built for businesses that power other businesses.
Franchise networks
You have locations. Each one runs memberships or subscriptions. Failed payments are happening across all of them.
Marketplaces
You power merchants, service providers, or sellers who collect recurring payments. Recovery is their problem until it becomes yours.
Vertical SaaS
You hand businesses a complete operating system for their industry. Subscription recovery should come with it.
Multi-sided platforms
You sit between subscribers and providers. When payments fail, both sides feel it.
One Integration
Up and running across your whole network in days.
Connect your platform
Churnkey integrates at the platform level. Your entire network is covered from day one.
Design the campaign once
You set dunning sequences, timing, and retry logic. That becomes the default for every business you power.
Each business configures the minimum.
Sender address, domain, branding. Just enough so campaigns feel like theirs.
See recovery across your whole network.
Metrics give your platform, and the businesses on it, a clear view of what's being recovered.
The process
From first conversation to your whole network running recovery.
Tell us about your platform.
Billing setup, number of businesses, how subscriptions flow. We figure out what fits.
We scope it honestly
What's supported today, what the integration requires, where the edges are.
One operator goes live first.
Then your network, on your timeline.
Platforms already running on Churnkey
RollerUp powers car wash memberships across MrWash and Metro Wash locations. Each location inherits Churnkey's dunning campaign through the RollerUp platform. Members get recovery emails from MrWash. RollerUp sees performance across the whole network.
MrWash
Car wash membership platform via RollerUp.
It's all part of our Payment Recovery suite...
Precision Retries
Optimized retry schedules and tactics enhanced by machine learning and adapted for your business' bespoke needs. Works effectively with banks without customer intervention.
Omnichannel Campaigns
When retries can't solve a failed payment, Churnkey's omnichannel infrastructure gets to work across every possible channel, segmented in every possible way.
Payment Recovery Wall
When retries and campaigns aren't enough, deploy in-app messaging to prevent usage in past-due accounts. Completely configurable, intelligent, and tasteful.
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.
Growth tactics
Every tactic we've graded.
Every tile links to the full evidence for one tactic, plotted by lifecycle stage and evidence grade.
How we grade evidence →ConversionConversion
ExpansionExpansion
RetentionRetention
PricingPricing
ReengagementReengagement
Trial Conversion
Targets conversion offers at engaged trialists instead of blanketing the whole trial pool—the engaged convert at 28 percent against nine percent for the unengaged.
View tactic
Plan Structure Review
Benchmarks a company’s plan structure against peers with similar growth profiles and recommends structural changes (entry tier, mid-tier weighting, dead-zone exposure) as an advisory report.
View tactic
+189 days of subscriber lifetime and +$146 per subscriber
50,000 matched subscriber pairs
Established by controlled experiment.
How we grade evidence →1.7× upgrade conversion when readiness signals are combined into one score
usage data from roughly 90 subscription companies
Validated against propensity-matched comparison groups.
How we grade evidence →reduces churn; magnitude withheld
Observed across multiple B2C subscription deployments
Consistent effect across multiple independent deployments.
How we grade evidence →For your agent
Self-contained spec — paste it into any coding agent.
# Agent spec: Monthly-to-Annual Conversion ## Trigger (threshold) A monthly subscriber’s annual-readiness score, a combined measure of tenure, engagement depth, and usage consistency, crosses the configured threshold. ## Surface In-app offer at the subscriber’s next active session, plus one follow-up email with identical terms if the in-app offer is not seen within seven days. ## Guardrails - Rate limit: at most one annual offer per subscriber per 90 days. Never re-offer within 30 days of an explicit dismissal. - Eligibility: active monthly subscription, at least 60 days of tenure, no open payment failure, no pending cancellation. - Collision avoidance: suppress while any Cancel Flow, Payment Recovery sequence, or other upgrade offer is active for the same subscriber. - Offer integrity: discounts are forever-percent on the annual term only. Never stack with an existing discount or convert an already-discounted subscriber without review. ## Evidence Annual billing adds an average of 189 days of subscriber lifetime and $146 per subscriber across 50,000 matched pairs. A forever-percent discount on the annual term cuts churn by a further 11.2 percentage points across more than 100,000 matched pairs, and the two effects stack. Graded causal: each annual subscriber is compared against a statistical twin on monthly billing, identical on everything except the billing term, which separates the effect from subscriber self-selection. ## Implementation steps 1. Compute an annual-readiness score for every monthly subscriber from tenure, engagement depth, and usage consistency, recomputed daily. 2. Define the offer: a 12-month term with a forever-percent discount sized to your vertical and margins. 3. When the score crosses the threshold and all eligibility checks pass, render the offer in-app at the subscriber’s next session. 4. If the in-app offer is not seen within seven days, send one follow-up email with the same terms, then stop. 5. On acceptance, apply the discount and switch the billing term in the billing provider as a single transaction. On dismissal, start the 90-day cooldown. 6. Track offer conversion, 90-day retention of converted subscribers, and dismissal rate. Tune the readiness threshold against those outcomes.
Built for platforms with real complexity
Most platforms are one conversation away from knowing whether this fits.
