---
description: Recover failed SaaS subscription payments automatically. SmartRetry reads issuer signals to retry declined renewals at the right moment, so customers who...
title: Payment Retry for SaaS | Recover Failed Subscription Payments | SmartRetry
image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fog-image.0z0q4_5kazzzo.jpeg
---

For SaaS

# Stop losing SaaS customers to failed payments

When a renewal is declined, a customer who wanted to stay can churn without ever deciding to leave. SmartRetry recovers those payments automatically.

[Get your custom quote](/pricing#pricing-form)[Calculate your losses](/failed-payment-calculator)

The problem

## Why SaaS renewals fail

* Renewals run on a fixed date, often when the customer's balance or card limit is temporarily low.
* Cards expire or get replaced, and the saved card on file stops working without warning.
* Issuers flag recurring or cross-border charges, especially on annual plans with larger amounts.
* Dunning emails alone are slow: many customers never update their card, and the account quietly cancels.

## The Numbers Don't Lie:

* $443 Billion  
in legitimate online revenue was projected to be lost to false declines in 2021, much of it from real customers who could have been recovered through **payment recovery solutions.**
* 1 in 3  
SaaS cancellations come from failed payments, not customers choosing to leave.
* 42%  
of shoppers say they would never return to a site or app after one false decline.
* 2.1%  
of revenue is lost by US businesses to poor payment performance.

Find the source of the numbers and more statistics [in our payment declines cost analysis](/blog/cost-of-payment-declines-recovery) →

How SmartRetry helps

## Keep the customers who want to stay

### Recover failed renewals automatically

Soft declines on monthly and annual renewals are retried at the moment they are most likely to pass, without asking the customer to do anything.

### Reduce involuntary churn

Every recovered renewal is a customer you keep, along with the months of revenue they would have paid.

### Protect your payment health

Hard declines such as closed or stolen cards are never retried, so you avoid wasted attempts and issuer penalties.

### No change to your stack

Works with your current payment provider and billing system. Your team keeps its existing tools.

## How it works

1. 1  
### Connect  
SmartRetry plugs into your existing payment setup. You keep your payment provider and your checkout.
2. 2  
### Analyze  
Every declined payment is read for its decline code and issuer signals, to tell recoverable declines from final ones.
3. 3  
### Retry at the right moment  
Recoverable payments are retried when they are most likely to be approved. Hard declines are never retried.
4. 4  
### Recover  
Recovered revenue lands in your account. You only pay on payments we successfully recover.

## Works with the payment provider you already use

SmartRetry sits on top of your current payment setup. You keep your provider and your checkout.

* ![Stripe](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fstripe.svg)
* ![Adyen](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fadyen.svg)
* ![PayPal](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaypal.svg)
* ![Braintree](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fbraintree.svg)
* ![Checkout.com](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fcheckout-com.svg)
* ![Square](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fsquare.svg)
* ![Authorize.Net](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fstripe.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fadyen.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaypal.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fbraintree.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fcheckout-com.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fsquare.svg)
* ![](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg)

[See all supported payment providers ›](/payment-providers)

### Frequently asked questions

What is involuntary churn in SaaS?

Involuntary churn is when a customer is cancelled because their payment failed, not because they chose to leave. It is often recoverable, because the customer still wants the product.

How is this different from dunning emails?

Dunning emails ask the customer to fix the payment. SmartRetry recovers recoverable payments automatically by retrying them at the right moment, so far fewer customers ever need a reminder.

Does SmartRetry work with annual plans?

Yes. Annual renewals are larger and more likely to hit a card limit, which makes timing the retry even more important.

Do I need to change my payment provider?

No. SmartRetry works alongside your existing payment provider and billing setup.

## No ROI math needed. You profit from the very first recovered payment.

SmartRetry is performance-based: no setup fees, no platform fees. You only pay when we recover a declined payment.

[Get your custom quote →](/pricing#pricing-form)

---

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