Payment Recovery by Industry

B2B SaaS lives or dies on retention. A 5% involuntary churn rate from failed payments wipes out roughly half your net revenue retention if you don't act on it.

Agency retainers fail more often than typical SaaS — finance teams sit on AP, cards expire mid-engagement, fraud rules trip on B2B amounts. Each failure delays revenue and creates uncomfortable conversations.

Course subscriptions skew B2C — cards expire, funds run low, customers forget. Without recovery, a course platform with 5% monthly involuntary churn loses ~46% of subscribers per year just from failed payments.

Memberships have the same B2C failure profile as courses, plus an emotional attachment dimension — members who lose access feel rejected, even when their card just expired.

Subscribe-and-save, replenishment, and box subscriptions face high involuntary churn — physical products mean shipping windows, returns, and emotional purchases all interact with payment failures.

B2B cards trip fraud holds at higher rates because amounts are larger. Enterprise customers expect human-tone dunning, not generic 'your card failed' emails.