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.
Built for platforms with real complexity
Most platforms are one conversation away from knowing whether this fits.
