97%+
Failed payment recovery
150+
Currencies
99.99%
Uptime SLA
API
Developer-first
47.6%
Industry avg. recovery
The industry median recovery rate on failed subscription payments is 47.6% — meaning more than half of all failed charges are permanently lost before any smart retry logic is applied, according to Recurly's 2025 Subscription Economy Benchmark Report. Businesses using intelligent dunning close that gap substantially: optimizing retry timing by failure reason and issuing bank recovers 90–97% of failed charges, and 90% of those recoveries happen within the first 10 days of the billing cycle. ClickWerxs hits 97%+.
Not all retries are equal. Our dunning engine learns optimal retry timing by card type, bank, and failure reason. Automatic card updater refreshes expired cards before they fail. Custom email sequences keep customers informed. Recovery rate: 97%+.
Subscriptions, trials, upgrades, downgrades, proration, and metered billing. Handle the full lifecycle — from first trial sign-up to enterprise annual contract — without duct-taping billing logic.
As of 2025, 85% of SaaS companies have adopted usage-based billing (Metronome/Greyhound Capital, Jan 2025). Report usage via API, apply tiered or volume pricing, and bill at end-of-cycle. Built for consumption, metered, and API-call-based pricing models. Supports hybrid (base + usage) plans.
Bill customers in their local currency across 150+ currencies. Local acquiring in 50+ countries reduces cross-border declines. Don't lose international customers to currency friction.
RESTful API with comprehensive webhook events, sandbox environment, and client libraries for Node, Python, Ruby, PHP, and Go. Most teams ship billing integration in a day.
Track MRR, churn rate, LTV, expansion revenue, and net revenue retention in real-time dashboards. Not a Stripe dashboard clone — metrics built for how SaaS companies actually make decisions.
When a subscription payment fails, most processors retry at fixed intervals and give up after 3 attempts. ClickWerxs dunning engine is smarter: it analyzes the failure reason, the issuing bank's retry patterns, and the card type to determine the optimal retry window. Failed because of insufficient funds? We retry on payday. Expired card? Our updater already refreshed it. The result: 97%+ recovery on failed payments.
Dunning Recovery
Automated retry flow
$99/mo subscription
Card ending 4242
97.2% recovery rate — $12.4K saved this month
At $50K MRR, Stripe takes $1,750/month (2.9% + 30¢). Your actual interchange cost? Around $1,050. That $700/month gap grows as you scale — at $500K MRR, you're overpaying by $7,000+/month. ClickWerxs interchange-plus pricing means your per-transaction cost drops as your volume increases. The bigger you get, the more you save.
Revenue Analytics
6-month overview
MRR
$127K
+8.2%
Churn
2.1%
-0.4%
LTV
$4,280
+12%
MRR Growth ($K)
Stripe's advertised rate is 2.9% + 30¢. That's the floor. Add the Billing add-on (consolidated to 0.7% in July 2024), Radar fraud protection, and dispute fees, and the fully-loaded cost for a SaaS company runs 3.6–4.3%+ — before accounting for the markup spread between Stripe's flat rate and actual interchange.
At $200K MRR with a $50 average transaction, the 0.7% Billing add-on alone costs $1,400/month on top of processing — functionality included in ClickWerxs at no additional rate.
| Fee component | Stripe | ClickWerxs |
|---|---|---|
| Processing | 2.9% + 30¢ | Interchange + markup |
| Recurring billing management | +0.7% of revenue | Included |
| Fraud protection | +$0.05/tx (Radar) | Included |
| Dispute fee | $15/dispute | $15/dispute |
| Effective rate (avg. $50 ticket, $200K MRR) | ~3.6–4.3% | ~2.0–2.4% |
Stripe Billing fee consolidated from 0.5%/0.8% tiers to 0.7% flat in July 2024. Interchange rates: credit avg. ~1.81% + $0.10/tx (Federal Reserve Payments Study, 2025). ClickWerxs rate reflects interchange-plus at $200K+ MRR.
RESTful API with client libraries, webhooks, and a full sandbox environment. Create subscriptions, process one-time charges, issue refunds, and manage customers — all from a clean, well-documented API. Full sandbox for testing before going live.
SaaS and subscription businesses see chargeback rates roughly twice those of physical goods merchants. The main driver isn't fraud — it's friendly fraud. Chargebacks911 puts up to 60% of SaaS chargebacks in the "customer forgot they subscribed" or "didn't recognize the descriptor" category. Free-trial-to-paid conversions with unclear billing communication are the biggest single trigger.
There's a second cost most SaaS companies don't know about: Visa charges $1 per transaction when a recurring billing attempt is declined four or more times on the same authorization. That penalty stacks on top of the failed payment itself.
ClickWerxs addresses both. Chargeback alerts via Verifi (Visa) and Ethoca (Mastercard) surface disputes 24–72 hours before they formally file — enough time to refund and close the case before the dispute fee hits. Smart billing descriptors and pre-charge notifications cut friendly fraud at the source. And the dunning logic that prevents failed payment retry loops also eliminates the Visa $1 penalty by stopping retries before they hit the four-decline threshold.
Pricing model
Dunning recovery rate
Dedicated account manager
Usage-based billing
Volume discounts
Contract required
Subscription management fee
Pre-dispute chargeback alerts
Stripe Billing fee consolidated to 0.7% in July 2024. Savings increase with MRR.
Common questions about recurring billing, dunning, and payment processing for SaaS companies.