PayCircuit automatically recovers 50–80% of failed subscription charges with smart retries, multi-channel dunning, and a one-click card update portal — on complete autopilot.
Free 14-day trial · No credit card required · 2-minute setup
$129B
Lost to failed payments globally in 2025
20–40%
Of all churn is involuntary
50–80%
Of failed payments are recoverable
10–15x
Typical ROI from smart dunning
No code changes. No complex setup. Just connect and recover.
One-click OAuth connect. We start monitoring your failed payments in under 2 minutes.
Smart retries, automated emails, SMS, and a hosted card-update portal work around the clock.
Track every recovered euro in your dashboard. See ROI in real time.
Smart automation that works while you sleep.
Retries at the optimal moment based on decline code, card type, and payday patterns - not fixed intervals.
Automated email sequences, SMS nudges, and in-app notifications. Reach customers where they respond.
Hosted, white-labeled payment update portal. Customers fix their card in seconds - no login needed.
Real-time recovered revenue, recovery rate, ROI tracking, and per-decline-code analytics.
When customers try to cancel, show them a personalized offer or pause option. Recover up to 30% of voluntary churn.
Get real-time notifications when payment recovery rules are triggered. Integrate with your own systems.
Auto-detect customer language from Stripe locale. Email templates in EN, DE, FR, ES, NL, IT, PT, BG, PL, SV, DA, NB.
Built for European SaaS from day one. Data stored in EU, multi-language templates, EU payment awareness.
We never touch card numbers. Stripe Elements handles all sensitive data. OAuth, not API keys.
When a customer clicks "cancel subscription," they don't actually want to leave - they're just frustrated or looking for a discount. Intercept that moment with a personalized offer.
Smart Offers
Show discounts, pause options, or plan downgrades
A/B Testing
Test which offers resonate most with your audience
Real-Time Analytics
Track save rate, discount acceptance, and impact to LTV
30% of voluntary churn can be recovered with smart cancel flows. For a €100K MRR company, that's €2,500/mo in saved revenue.
What can we do to help?
All dunning templates automatically detect and adapt to your customer's locale - no configuration needed.
English
Deutsch
Français
Español
Nederlands
Italiano
Português
Български
Polski
Svenska
Dansk
Norsk
Detection is automatic via Stripe customer locale and Accept-Language headers. Custom language support available on Scale plan.
Customers can update their payment method using Apple Pay, Google Pay, or a traditional credit card - whatever's fastest for them.
Most dunning tools are US-focused, expensive, and limited to email. We built something better for European SaaS.
vs. Churnkey / ProsperStack
They start at €250/mo and target enterprise. PayCircuit gives you the same recovery engine at a fraction of the cost - starting at €49/mo.
vs. Churn Buster / Stunning
Email-only dunning leaves money on the table. PayCircuit adds SMS, in-app, and Apple Pay/Google Pay from day one - across 12 languages.
vs. Stripe's built-in dunning
Stripe retries on fixed intervals with one email template. No smart timing, no multi-channel, no analytics. We build intelligence on top.
vs. building it yourself
A proper dunning system takes 3–6 months to build and maintain. PayCircuit is live in 2 minutes with battle-tested sequences and retry logic.
For a typical SaaS company with €100K MRR
€7,900
At risk per month from failed payments
€5,500
Recovered monthly with PayCircuit
55x
ROI on the Growth plan
Every step is timed and optimized for maximum recovery.
"Your payment didn’t go through — update your card in one click."
Timed to your customer’s local payday patterns.
Multi-channel escalation for customers who missed email.
Second attempt at an optimal window.
"Last chance before your subscription is paused."
Grace period ends. Easy path back if they update later.
Start free for 14 days. Pay only when you see results.
For early-stage SaaS up to €25K MRR
For scaling SaaS up to €100K MRR
For established SaaS up to €500K MRR
For any MRR - pay only for results
Want pay-for-results instead? We also offer a performance plan at 5–10% of recovered revenue. Contact us.
You connect via Stripe OAuth (not API keys). We listen for failed payment webhooks and handle retries and customer notifications automatically. You can revoke access at any time from your Stripe dashboard.
Never. All card input goes through Stripe Elements directly to Stripe. We are fully PCI compliant and never handle sensitive card data.
We classify 30+ Stripe decline codes into four categories (soft, hard, authentication, permanent) and apply the right recovery strategy for each.
Yes. We offer a pay-for-results plan where you only pay 5–10% of the revenue we actually recover. Zero risk to get started.
Under 2 minutes. Connect Stripe, choose your plan, and our system starts monitoring and recovering failed payments immediately.
Absolutely. We’re EU-first — data is stored in EU regions, we support data deletion requests, and we provide a DPA on request.
Connect your Stripe account in 2 minutes. See how much revenue you can recover — free for 14 days.
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