Every feature you need to maximize recovery rate for subscriptions and one-time payments, minimize churn, and build customer trust.
Feature
AI-powered timing for maximum recovery
Most dunning platforms retry on fixed schedules. PayCircuit analyzes decline codes, card types, customer location, and historical payday patterns to find the optimal moment to retry each payment.
Decline code classification (soft, hard, authentication, permanent)
Payday pattern detection - retries on likely payment days
Time-of-day optimization - morning, afternoon, evening windows
Retry windows: 4hrs, 24hrs, 72hrs, 7 days
Configurable max retries per client (default: 4)
Smart backoff - learns from success/failure patterns
50-80%
Recovery rate with smart timing
insufficient_funds
Attempt 1
4 hours
Attempt 2
24 hours
Attempt 3
72 hours
Recovered
Day 7
€49.99 recovered on retry #4
Feature
Reach customers on every channel
Email alone misses 30% of customers. PayCircuit orchestrates a coordinated sequence across email, SMS, and in-app notifications - all customizable and white-labeled.
Email sequences - 4-step battle-tested templates
SMS nudges - time-sensitive, high open rate
In-app notifications - embedded widget for direct access
Webhook triggers - integrate with your own systems
Configurable sequencing - control timing and escalation
Templating - customize copy, subject lines, CTAs
Deliverability monitoring - open rates, click rates, conversions
70%+
Avg reach with multi-channel
Your payment needs attention
SMS
Tap to update your card
In-App
Payment method expired
Reaches 70%+ customers
Feature
Intercept churn with smart offers
When a customer initiates a cancellation, they're your last chance to save them. Show a personalized offer, pause option, or plan downgrade before they leave permanently.
Smart offer logic - discount, pause, downgrade, or loyalty
A/B testing - test different offer strategies
Customer segmentation - different offers for different cohorts
Real-time conversion tracking - see save rate immediately
LTV impact modeling - understand lifetime value of saved customers
Reactivation links - easy path back for those who still leave
30% of voluntary churn recoverable with proper offers
30%
Voluntary churn recovery potential
Before you go...
We'd love to keep you around
saved
Feature
Painless card update for subscriptions and orders
Customers don't need to log in to your app or call support. A single click from the email takes them to a white-labeled, mobile-optimized card update page. Works for both recurring subscriptions and one-time orders. Secure, fast, and completely customizable.
White-labeled hosted portal - shows your branding, logo, colors
Stripe Elements integration - PCI-DSS compliant, never touch card data
Apple Pay / Google Pay - one-tap update on mobile
Mobile-optimized - 60%+ of updates happen on phones
Single-use tokens - secure, time-limited access links
No login required - frictionless experience
Optional context - show what they'll lose if they don't update
40%
Higher success rate with digital wallets
Acme Inc
•••• •••• •••• ••••
Secured by Stripe
Feature
Track every recovered euro from subscriptions and orders
Beautiful, real-time dashboard showing your recovery metrics for both subscription and one-time payments, ROI, cohort performance, and actionable insights. All data updates live as payments are recovered.
Recovered revenue tracking - total and trend
Recovery rate metrics - % of failed payments recovered
ROI calculator - what you paid vs what we recovered
Active dunning feed - payments currently in recovery
Decline-code breakdown - which types recover best
Cohort analysis - recovery rate by plan tier, region, customer segment
Email/SMS performance - open rates, click rates, conversions
Export reports - CSV and PDF for stakeholders
10-15x
Average ROI from smart dunning
€12,450
Recovered
67%
Recovery Rate
12.4x
ROI
Recovery trend
Last 5 months
Feature
Integrate with your own systems
Get real-time notifications when recovery rules are triggered. Integrate with your CRM, helpdesk, data warehouse, or internal tools. Full REST API for advanced use cases.
Event-based webhooks - triggered on specific recovery actions
Full REST API - query data, manage settings programmatically
Custom rule logic - create escalation rules based on your data
Integration examples - Slack, Discord, Zapier, Make, PipedriveMerged Curation Assistant
Webhook signing - cryptographically secure
Retry logic - automatic retries on delivery failure
Webhook dashboard - monitor delivery status and logs
API
Available on Scale and Performance plans
Real-time webhook events
Feature
Auto-detect customer language
Dunning emails in English won't resonate with German customers. PayCircuit auto-detects customer locale from Stripe and sends emails in their language - no configuration needed.
Languages: English, German, French, Spanish, Dutch, Italian, Portuguese, Bulgarian, Polish, Swedish, Danish, Norwegian
Auto-detection from Stripe customer locale
Accept-Language header fallback
Culturally appropriate messaging - not just translation
Payday patterns by country - German 15th, French 1st, etc.
Custom templates - edit templates per language
Add more languages on request (Scale+ plans)
12
Languages supported at launch
🇬🇧
EN
Auto
🇩🇪
DE
🇫🇷
FR
🇪🇸
ES
🇳🇱
NL
🇮🇹
IT
🇵🇹
PT
🇧🇬
BG
🇵🇱
PL
🇸🇪
SV
🇩🇰
DA
🇳🇴
NB
12 languages auto-detected
Feature
Security and privacy by design
EU-first platform means GDPR compliance from day one. We never touch card numbers - Stripe Elements handles all sensitive data. Full audit trails and data deletion support.
GDPR compliant - DPA provided, data stored in EU
PCI DSS - no card data ever stored or processed by us
Stripe OAuth - more secure than API keys
Data retention policies - automatic deletion after X days
Right to be forgotten - full data deletion on request
Audit logs - track who accessed what and when
Regular security audits and penetration testing
100%
Data stored in EU
GDPR
PCI DSS
EU Data
Encrypted
100% EU data residency
Tailor every aspect of PayCircuit to match your brand and recovery strategy.
Full REST API with webhook support. Integrate with any tool.
60%+ of card updates happen on mobile. Optimized for all devices.
Edit templates, subject lines, and CTAs. HTML or WYSIWYG editor.
Control retry timing, sequences, and escalation rules per client.
Cohort analysis, decline-code breakdown, A/B testing results.
Emails, portal, logo, colors. Fully branded for your customers.
We classify 30+ Stripe decline codes into actionable categories with specific recovery strategies.
Soft Declines
Decline codes
insufficient_funds, processing_error, try_again_later, rate_limit
Action
Smart retry at optimal timing
Hard Declines
Decline codes
card_declined, expired_card, stolen_card
Action
Notify customer to update card immediately
Authentication Required
Decline codes
authentication_required, 3d_secure_required
Action
Redirect to 3DS / SCA flow for re-authorization
Permanent Failures
Decline codes
do_not_honor, fraudulent, pickup_card
Action
Flag account, pause subscription, notify support
All core features across all plans. Advanced features unlock at higher tiers.
Start your free 14-day trial today. Experience the full power of PayCircuit.