Recovering revenue that subscription businesses didn't know they were losing.

The Problem

Failed payments cost subscription businesses $129 billion globally in 2025. For a typical SaaS company with €100K MRR, that means roughly €7,900 per month silently disappearing — not because customers churned, but because a card expired, a bank flagged a routine charge, or funds weren't available at 3am when Stripe retried.

62% of users who hit a payment error never come back to fix it. Not because they don't care, but because nobody told them it happened, or the process to update their card was buried three clicks deep. 50–80% of these payments are recoverable with the right approach and the right timing.

Our Approach

PayCircuit classifies every failed payment by decline code and applies the right recovery strategy automatically. Soft declines get smart retries timed to payday patterns. Hard declines trigger a multi-channel notification sequence — email, SMS, and a one-click payment update portal — that makes it effortless for customers to fix their payment method.

Everything is white-labeled. Your customers see your brand, your domain, your tone. We stay invisible, and you keep the relationship.

EU-First, By Design

Every major dunning platform is US-based. PayCircuit is built for the European market from the ground up. All data is processed and stored entirely within the EU. We support 12 languages out of the box, handle SCA/3D Secure authentication flows natively, and comply with GDPR by default — not as an afterthought.

Our infrastructure runs in European data centres, and our payment processing is optimised for European card networks and banking systems. If your customers are in Europe, their recovery experience is built for them.

The Team

PayCircuit is built by a team of developers, architects, and platform engineers with deep expertise in payment systems, distributed infrastructure, and Stripe integrations. We've spent years building and scaling billing systems and know exactly where revenue leaks happen — and how to close them.

The product is lean by design: focused on doing one thing exceptionally well rather than being a bloated suite. Every feature exists because it directly recovers revenue.

We price fairly. Plans start at €49/month, and our performance-based option means you only pay when we recover revenue for you. No long contracts, no hidden fees, cancel anytime.