Dunning

Dunning· Recovered Revenue

A failed payment is a mortgage payment.

  • A tuition bill.
  • A month of vacation.
  • Next quarter's marketing budget.

Add up a year of failed charges and it is not a rounding error. It is real money that already belonged to you, walking out the door over an expired card. Deposyt goes and gets it back. And it is such an easy fix.

No third-party bolt-on. No extra login. The hard part is already handled.

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✓ Failed payments recovered✓ Cards updated automatically✓ Retries timed to paydays✓ No extra login
Recovery · this month LIVE
Recovered so far $18,940 across 47 saved subscriptions
JM Order #4187 · $149/moRetry 2 succeeded · card updated Saved
RK Order #4192 · $89/moSaving 3 of 4 · SMS sent Saving
TP Order #4205 · $499/moRetry 1 succeeded · auto-collected Saved
Real recovery, running while you sleep
Why every business needs this

Stop losing money you already earned.

Failed payments quietly drive 20 to 40 percent of all subscription churn. These are not unhappy customers. They are happy customers with a payment problem, and most never even know the charge failed. They are still using your product while your billing system silently deactivates them.

The math gets worse. Businesses with recurring revenue can lose 10 to 20 percent of it a year to involuntary churn, and every one of those customers cost real ad spend to acquire. Letting them slip away over an expired card means paying to win the same customer twice. And this is not just a subscription problem: any business that bills on a schedule, holds a card on file, or invoices for delivery has money leaking through the same crack.

  • Most failed payments are fixable. Retried at the right moment, many simply go through.
  • A customer you recover keeps their full lifetime value. A customer you lose takes it with them.
  • Recovery works best in the first hours, which is exactly when manual follow-up never happens.
Recovered revenue, estimated
10%
50%
Recovered monthly
$2,500
Recovered yearly
$30,000

Roughly 10 to 15 percent of recurring charges fail on the first attempt, and a real recovery system gets back 30 to 70 percent. The saved customer keeps paying next month, so the true value compounds.

Why good payments fail

The decline is rarely the customer's fault.

Roughly one in ten recurring charges fails on the first attempt, and the reasons are mostly mechanical. Which is exactly why a system can fix them.

~30%

Insufficient funds

The single biggest cause of failed subscription payments. A balance dips for a day, the charge bounces, and a well-timed retry usually collects it clean.

~40%

Cards replaced every year

Fraud reissues, expirations, and bank switches mean the card on file goes stale constantly. Every subscription tied to the old card fails at once.

$25 : $1

False declines

For every dollar of real fraud, an estimated 25 dollars of genuine payments get blocked by overcautious bank filters.

90%+

Glitches that self-heal

Gateway timeouts and network hiccups fail temporarily, then succeed at very high rates the moment they are retried.

Here is the number that should keep every online business owner up at night: a majority of customers who hit a payment error never come back on their own. If you are not going after that money, it is gone.

The missing key

Everyone has features. We know which ones matter.

Dunning tools are built by software companies that have never sat in a merchant's chair or watched a decline from inside the processing rails. We have spent 25 years on both sides of the transaction, so we did not build a hundred switches and wish you luck. We built the exact ten moves that recover money and keep customers, then wired them together. Dunning is part one. The right automations are the rest.

01Smart retry engine

Retries fire at day 1, 5, 10, and 14 by default, timed to when balances refill and replacement cards go live. Every step customizable, and it keeps working until the money lands or every attempt is spent.

02Pre-dunning card watch

Expiring cards get caught before the next charge ever fails. You pick the play: stay silent, send a heads-up, or send a heads-up with a card update link. The best failed payment is the one that never happens.

03Messages that sound like you

Email and SMS after every attempt, in your brand voice, with the tone stepping up as the clock runs. Friendly nudge first, firmer later, never a collections letter to a customer who simply got a new card.

04One-tap fix links

Every message carries one obvious action: a card update link, a retry link, or the Customer Hub. No hunting, no login maze, no support ticket. The distance between the problem and the fix is a thumb tap.

05Escalation automations

Each retry event can tag, assign a teammate, create a task, move the customer to a pipeline stage, drop a note, or fire a webhook. The pressure builds exactly the way a great operator would apply it by hand.

06Customer Hub self-service

Your customer fixes it themselves at midnight: update the card, add a method, switch to ACH, pay the balance, resume a paused subscription. Under a minute, on their phone, with nobody on your team involved.

07Segment-smart recovery

A twelve-month VIP and a day-one trial do not deserve the same sequence. Tags, pipelines, and customer history let you run different plays for different people, automatically.

08Clear countdowns

Customers always know what happens next and when, from first notice to final attempt. Certainty moves people. Ambiguity loses them.

09Save flows at cancel

Subscription Saver meets the customer at the cancel button with a pause, a discount, or an upgrade path, and pings your team the instant cancellation is touched. The relationship gets one more chance before it ends.

10A scoreboard that settles it

Recovered revenue, saves versus cancels, top cancellation reasons, discounts issued, subscriptions over time. The leak becomes a number, and the number becomes yours to move.

How Deposyt Dunning works

Six steps between a decline and your deposit.

The whole recovery journey runs inside Deposyt, from the moment a payment fails to the moment it lands. Here is what happens, in order.

STEP 01 · DETECTION

We see the problem before you do. Sometimes before it happens.

The instant a recurring card payment fails, Deposyt identifies the failed charge and starts your configured recovery process. No spreadsheet audit at month end, no surprise shortfall.

Better yet, Deposyt watches for expiring cards before the next scheduled charge and heads the failure off entirely. You choose the play: stay silent, send an expiration notice, or send a notice with a Customer Hub link and a card update link. ACH and direct-debit dunning are rolling out now.

RECOVERY TIMELINESAVING 3/4
Order #4187 · $149/mo
Payment failedCustomer notified by email and SMS with a secure fix-it link
Retry 1 · Day 1Declined. Tagged Payment Recovery, moved to save pipeline
Retry 2 · Day 5Declined. Account manager assigned, follow-up task created
Retry 3 · Day 10Recovered. $149 collected, tags cleared, team notified
Auto retriedCustomer self-servedZero manual work
Deposytnow

Hi Jordan, we could not process your $149 payment. It happens, usually just an expired card.

Tap below to fix it in one step. You will not lose access.

Update payment · pay.deposyt.com/fix
STEP 02 · THE CUSTOMER IS NOTIFIED

A friendly nudge, not a collections letter.

The moment a payment fails, Deposyt can automatically send your customer a payment-failure email with a secure link to fix it. Remember: most of these customers have no idea anything went wrong. The right message keeps a happy customer happy while it collects.

You control the communication after every failed attempt: email, SMS, a card update link, a Customer Hub link, a payment retry link, with full payment and invoice details included. And when the payment succeeds, Deposyt can send a thank-you email with the paid invoice, closing the loop with class.

STEP 03 · SMART RETRIES

We retry the charge so you never have to ask twice.

Deposyt automatically retries the failed charge on your configured schedule. The default cadence runs at day 1, then 5, 10, and 14 days after each previous attempt, spacing tuned to when payments actually clear: paydays arrive, balances refill, replacement cards activate.

Every step is yours to customize: when each retry fires and what happens after every failed attempt. The recovery process keeps working until the payment succeeds or every configured attempt is exhausted. You do nothing. That is the point.

Retry scheduleAuto
1Day 1
2Day 5
3Day 10
4Day 14
Timed to paydays, refills, and reissued cards
When retry 1 failsLive
Retry failed
Send email + SMS Add tag: Recovery Move to save pipeline Assign account manager
STEP 04 · THE SECRET SAUCE

Dunning is part one. The right automations are the win.

Retries recover payments. Automations recover relationships, and this is where most tools stop and we keep going. Every retry event connects directly to Deposyt's CRM automation builder: send email or SMS, apply or remove tags, assign a user, move the customer to a pipeline or stage, fire a webhook, drop a note, create a task.

So the pressure escalates the way a great operator would run it by hand. First retry fails: email, SMS, payment update link, a Payment Recovery tag. A later retry fails: assign an account manager and create a follow-up task. Final retry fails: send the last notice, alert your team, and start your cancellation workflow. Not a hundred automations you will never use. The exact ones you actually need.

STEP 05 · CUSTOMER SELF-RECOVERY

Your customer can fix it at midnight without calling anyone.

Deposyt's Customer Hub gives your customers a place to solve the problem themselves: update the card, add a new payment method, switch to ACH, pay the outstanding balance, view failed invoices, review their subscription, or resume one that paused. Your team can also send the Customer Hub or card update link straight from the order.

That gives you two recovery paths running at once. Automatic recovery, where Deposyt retries and runs your automations. And self-recovery, where the customer fixes it in thirty seconds on their phone. Either way, the money comes home.

Customer Hub Update your payment
VISA •••• 4242 Exp 09/24 · expired
Update card Add method Switch to ACH Pay balance
Save and resume → Under a minute · no call needed
Order #4187 · timelineRecovered
Payment failedInsufficient funds · Day 0
Customer notifiedEmail + SMS with fix link · Day 0
Retry 1 declinedTagged, assigned, task created · Day 1
Retry 2 recovered$149 collected, tags cleared · Day 5
STEP 06 · THE RECOVERY RESPONSE

The payment lands, and the system cleans up after itself.

When the payment succeeds, Deposyt can stop the remaining retries and launch your recovery workflow: remove the failed-payment tags, return the customer to the right pipeline stage, notify the assigned team member, send the confirmation and paid invoice, close the recovery tasks, and log it all in the customer's activity history.

Your team manages everything from the order itself: change the next billing date, send the hub or card update link, view payment history, or cancel, with a full timeline of every dunning and recovery event. A clean audit trail of what happened and when.

Full visibility

Watch every subscription fight its way back.

Deposyt shows exactly where every subscription sits in the recovery process, so nothing slips into the void. Filter your Orders page by status to see who is in recovery, who needs a human touch, who came back, and who was lost.

Saving 1/4Saving 2/4Saving 3/4Saving 4/4PausedActiveLost
Card expiringPayment failedRetry scheduledRetry successfulRetry failedSubscription renewedSubscription pausedSubscription resumedSubscription canceledPayment method updatedSubscription recovered

Every one of these events can launch an automation. Customer communication and internal follow-up, both on autopilot.

Beyond the failed payment

Dunning saves the ones who can't pay. Subscription Saver saves the ones about to leave.

Recovery is only half the retention story. When a customer actively goes to cancel, Deposyt's Subscription Saver steps in before the relationship ends: self-cancellation flows you control, special offers shown at the moment of cancellation, one-time discounts, temporary pauses, upgrade and downgrade options, and internal alerts the second a cancellation is requested or completed.

And you measure all of it. Recovery analytics show canceled versus saved subscriptions, paused accounts, revenue saved through discounts, total discounts issued, your save percentage, top cancellation reasons, and new subscriptions over time. Retention stops being a feeling and becomes a number you can move.

Recovery analyticsLast 30 days
$18,940Revenue saved
47Subs recovered
70%Save rate
Saved vs cancelled, trending up
THE SCOREBOARD

If you can't measure the leak, you can't stop it.

Most businesses have no idea what failed payments cost them, because the losses never show up as a line item. They show up as slow growth. Deposyt puts the number on a dashboard: what failed, what came back, what it was worth, and why customers tried to leave. Then we help you move it.

The elevation

The best part? It's not another tool.

The dunning industry exists because payment platforms and software platforms don't talk to each other. Ours do, because they are the same platform.

Third-party dunning tools

Another subscription to recover your subscriptions.

  • Another monthly fee, another login, another integration to babysit.
  • Retries happen over there. Your CRM, your pipelines, and your team live over here.
  • Built by software people who have never sat inside the processing rails.
  • When something breaks, two vendors point at each other while your revenue waits.
Deposyt Dunning

Built into the place you already get paid.

  • Retries, notifications, CRM automations, Customer Hub, and analytics in one connected system.
  • Every retry event drives your pipelines, tags, tasks, and team follow-up natively.
  • Built by a payments company with 25 years on both sides of the transaction.
  • One platform, one team watching it, and a concierge who knows your account.
Questions

The things business owners ask first.

What exactly is dunning?+
Dunning is the process of recovering payments that failed or are past due: retrying the charge, notifying the customer, and giving them an easy way to fix the payment. Done right, it protects your cash flow and your customer relationships at the same time, because most failed payments come from happy customers with a mechanical card problem, not people trying to leave.
I'm not a subscription business. Do I still need this?+
If you bill on a schedule, keep a card on file, run payment plans, or invoice for anything, yes. Failed payments happen wherever cards are charged without the customer standing in front of you. Coaches, agencies, med spas, gyms, ecommerce, high ticket, memberships: the leak looks the same everywhere.
How much revenue do failed payments actually cost?+
Industry data puts failed payments at 20 to 40 percent of all subscription churn, with roughly 10 to 15 percent of recurring charges failing on the first attempt. For businesses with recurring revenue, that can mean losing 10 to 20 percent of it a year, before counting the lifetime value of every customer who silently disappears.
Why do payments from good customers fail?+
Mostly mechanics. Insufficient funds is the single biggest cause. Cards get reissued constantly after fraud or expiration, so the card on file goes stale. Bank fraud filters block real payments far more often than real fraud. And technical glitches like gateway timeouts fail temporarily but recover at very high rates when retried properly.
What makes Deposyt's dunning different from a dedicated dunning tool?+
Two things. First, it is built into the platform where you already take payments, so there is no extra tool, fee, login, or integration. Second, dunning here is part one: every retry event connects to the CRM automation builder, so tags, pipelines, tasks, team assignments, and customer messages all move together. Recovery is not just a retry. It is the whole follow-up, run the way a great operator would run it.
Can I control the retry schedule and the messages?+
Yes. The default schedule retries at day 1, then 5, 10, and 14 days after each previous attempt, and you can change when every retry fires and what happens after every failure: emails, SMS, links, tags, tasks, pipeline moves, webhooks, and more.
What can my customers do on their own?+
Through the Customer Hub, they can update a card, add a payment method, switch to ACH, pay an outstanding balance, view failed invoices, review their subscription, and resume a paused one. Most recoveries take the customer under a minute, with no call to your team.
Does this handle customers who try to cancel, too?+
Yes. Subscription Saver runs your cancellation flow: offers shown at the moment of cancellation, one-time discounts, pauses, upgrades and downgrades, and instant internal alerts, with analytics on saves, cancels, and the reasons behind them.
Does it work for ACH and bank payments?+
Card dunning is live today, and ACH and direct-debit autocharge dunning are rolling out now. Ask on your consultation and we will map it to how you bill.

Every failed payment is a customer asking to be kept.

You did the hard part. You won the customer, delivered the value, and earned the charge. Do not lose it to an expired card and a billing system that gives up after one try. Deposyt Dunning detects the problem, contacts the customer, retries the payment, runs your follow-up, recovers the account, and shows you the result. All in one place, already yours.

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