Retain Capital
A data-driven process for recovering failed payments, typically live within a single sprint.
Retain Capital plugs into your billing pipeline at the point of final failure. From there, we handle submission, analysis, optimization, resubmission, and reporting. You see the results in your dashboard and in your bottom line.
Four Steps to Recovered Revenue
Recover failed transactions and increase revenue with minimal engineering lift. Most merchants integrate in a single sprint.
Connect
Submit failed payment files via our secure REST API using a pre-approved template. 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 against BIN-level issuer behavior.
Recover
Failed transactions are optimized for resubmission at the ideal moment to secure authorization and successfully debit the account holder without spamming issuers or your customers' cards.
Prevent Churn
Recovered funds are deposited directly into your existing merchant account. Subscribers keep their service. Every outcome (recovered, retried, or written off) shows up in your reporting dashboard.
A trial before a commitment.
We bring a proven and data-driven process to reducing subscriber churn. We'd rather show you results than ask you to take our word for it.
Trial
Run a subset of your declined transactions through Retain Capital to see recovery performance before signing on for the long term.
Measured Results
Merchants typically see 30–50% of previously failed transactions recovered once the model is tuned to their portfolio.
Dashboards
Every recovered (and unrecovered) transaction is visible in your reporting dashboard. Results are never a black box.
Payment failure is one of the biggest drivers of subscription churn.
Up to 50% of involuntary failed payments can be recovered. That turns a silent source of churn into a measurable line of revenue often worth ~5% of top-line ARR.
- No changes to your checkout or billing flow required.
- Works alongside your existing payment processor: no migration.
- Transparent reporting on every transaction submitted, retried, and recovered.
Ready to see your own recovery numbers?
Tell us a bit about your business and we'll walk you through what a trial looks like.