Regainly
Most involuntary churn is a fixable payment problem, not a lost customer
A subscriber whose card expired or got declined usually still wants your product. Regainly retries the charge and follows up so the subscription survives — instead of quietly cancelling.
Not every decline means the customer wants to leave
- Soft declines — insufficient funds, a temporary issuer hiccup — often clear up on their own if you retry at the right time.
- Hard declines — an expired or stolen card — need the customer to act, so Regainly emails them a secure card-update link instead of retrying a card that will never work.
- Ambiguous declines — generic bank refusals — get a longer, more cautious retry window rather than being written off immediately.
Pay only for the churn you actually avoid
No monthly fee — Regainly only charges a percentage of the revenue it actually recovers. Subscriptions it never saves are never billed.
Common questions
What is involuntary churn?
Involuntary churn is when a subscription cancels because a payment failed — an expired card, insufficient funds, or a bank decline — not because the customer chose to leave.
How do you reduce involuntary churn on Stripe?
By retrying failed charges on a schedule suited to the decline reason, and by prompting the customer to update their card before the subscription is cancelled — which is what Regainly automates.
Does fixing involuntary churn cost anything upfront?
With Regainly, no. There's no monthly fee — you only pay a percentage of the revenue it actually recovers.