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Subscription retention
We help subscription companies recover millions of dollars in payment failures.
Stop involuntary churn by recovering declined payments and keep your customers.
Fight Fraud at the Cost of Lost Revenue
The payments industry spends billions fighting fraud — yet loses more revenue to false declines than to fraud itself.
$33.4B lost to card fraud globally in 2024. $50.7B in legitimate revenue declined across just four markets that same year.
The incentive structure.
Approving fraud has visible, measurable consequences — fines, chargebacks, regulatory penalties. Declining a legitimate customer? Costs the issuer nothing.
The revenue loss never shows up in a risk review.
The deeper problem is that each layer of the fraud prevention stack — identity, authentication, fraud scoring, credentials — was built in isolation, measured in isolation, and incentivized in isolation. Nobody owns the LOST-REVENUE side - EXCEPT...
RETAIN CAPITAL, INC.
How it works
Recover failed transactions and increase revenue without your engineering team.
Submit
Connect to our secure Restful API and submit a failed payments file using our pre-approved template.
Analyze
Using Machine Learning, we'll process each failed payment through our proprietary logic tree.
Deposit Funds
We re-submit failed transactions in order to receive an authorization and debit the account holder.
Stop Churn
With the recovered transactions your customers maintain the subscriptions they love and keep going.
Data Driven Process
We bring a proven process to reduce subscriber churn.
01
Trial
We prove that our process works before you engage. We conduct a trial for all our customers and show you how much we capture in declined transactions.
02
Measured Results
We achieve between 30% and 50% in recovered failed transactions. Once we go live, we'll capture funds and deposit the results into your account.
03
Dashboards
You continue to feed us failures and our reports show you exactly how many transactions we've saved.
Dollar Recovery Percentage
When it comes to failed payments, companies ask often "Should we kiss it goodbye or give it another try?"
Up to 50% of all involuntary failed payments could be recovered using Retain Capital.
50%
Involuntary Transaction Failures
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Get it Fixed
Increase Top-line ARR by ~5%.
Payment failure is an invisible problem that is the single largest driver of churn across subscription companies.