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.
Churn from non-payment isn't the same problem as churn from dissatisfaction
Voluntary churn is a customer actively deciding to cancel — they didn't like the product, found a cheaper alternative, or no longer need it. Involuntary churn from non-payment is different: the subscriber didn't choose to leave, their card just stopped working. An expired card, a bank that flagged an unusual charge, insufficient funds on the day the invoice ran — none of that is a signal the customer wants out.
The two need completely different responses. Voluntary churn calls for product or pricing changes. Involuntary churn from non-payment calls for retrying the charge and prompting the customer to fix what's actually broken — their payment method — before the subscription lapses. Conflating the two, or worse, doing nothing and letting Stripe's default retry logic quietly cancel the subscription, is how businesses lose customers who never intended to leave.
How much could involuntary churn be costing you?
A rough estimate, not an audited number — swap in your own failed-payment rate if you know it.
~10% of recurring charges fail on the first attempt, per Churnkey's analysis of Stripe payment data. Use your own rate if you know it.
Estimated revenue at risk each month: –
Regainly typically recovers 35–50%+ of revenue at risk, depending on retry and follow-up handling — potentially recoverable: – per month
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.