Retain Capital
Your subscribers aren't quitting. Their cards are failing them.
Involuntary churn (subscribers lost to declined cards, not decisions) is the largest and least-visible revenue leak in subscription billing. Retain Capital recovers those failed payments automatically. The subscription survives the decline that almost ended it.
Declined. Retried. Saved.
Retain Capital fixes the failed payment before the subscriber ever notices a problem. No win-back required. A saved subscriber doesn't just protect this month's revenue: every renewal after it counts too, extending average customer lifetime value by over six months on average.
Fraud gets all the attention. False declines cost more.
Every layer of fraud prevention in the payments industry is optimized to avoid approving a bad transaction. It carries no accountability for the good transactions it declines along the way.
Lost to card fraud globally in 2024.
In legitimate revenue declined across four major markets that same year. More than the fraud it was meant to prevent.
Four Steps to Recovered Revenue
Connect once. Retain Capital analyzes every decline and resubmits the ones worth fighting for.
Connect
Submit failed payment files via our secure REST API. Setup is fast with minimal engineering lift. Most merchants are live within a single sprint.
Process
Machine learning runs each failed payment through our proprietary logic tree and scores retry timing and likelihood of recovery.
Recover
Failed transactions are resubmitted at the optimal moment to secure authorization and successfully debit the account holder.
Prevent Churn
Recovered funds are deposited directly into your existing merchant account. Subscribers keep their service. You keep your customers and revenue.
Intelligently distinguishes recoverable payment declines from permanent failures.
AI Resubmission Engine
Supervised machine learning draws on outcomes from previous resubmissions to decide when and how to retry a declined transaction.
BIN Intelligence
A continuously updated bank identification number database informs how and when to route each resubmission for the best odds of approval.
Presentment Optimization
When available, we use network tokens instead of raw card numbers on each retry. This improves approval odds while staying fully compliant with card network rules.
Simple REST Integration
A JSON-based REST API and real-time status updates mean most merchants are live in days, not quarters.
See what recovered revenue looks like for your business.
Most merchants can start a trial and see measured results before any long-term commitment.