Failed payment recovery for B2B SaaS

SaaS lives and dies by recurring revenue, and every renewal charge is a chance for a payment to fail. When one does, the customer rarely meant to leave — a card expired, a balance ran short, or a charge errored out. Without recovery, the subscription quietly lapses and the MRR is gone.

That is involuntary churn, and it is uniquely damaging in SaaS because the loss compounds: you lose this month's charge, the customer's remaining lifetime value, and the expansion revenue that account would have generated.

• Cards expire or get reissued mid-contract — common on annual-to-monthly conversions.
• Insufficient funds on monthly plans billed mid-cycle.
• Issuer fraud or velocity rules flagging an otherwise-valid card.
• Processor or network errors that would clear on a well-timed retry.

Revatto plugs into your existing billing stack and recovers the failed payments your native dunning leaves behind. AI classifies each decline and times retries accordingly — soft declines like insufficient funds get a deposit-cycle cadence, hard declines get a payment-method-update request — and a real team runs email and SMS outreach under your brand, escalating to a human where automation stalls.

It works on top of Stripe, Chargebee, and Recurly without changing your billing setup. Because you only pay when a payment is recovered (20% of the first recovered payment, $0 monthly), reclaiming involuntary churn costs nothing up front.