Agencies

Payment recovery for agencies + retainer businesses

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.

Why it matters

Agency MRR per client is high ($1K-$10K+), so each recovered invoice matters disproportionately. Automated, professional dunning preserves the client relationship while still collecting reliably.

Recovery playbook

  1. Day 0: formal-tone failure notice + 'reach out if there's an issue'

  2. Day 3: account-manager-style email offering ACH/wire alternative

  3. Day 7: invoice link with extended due date

  4. Day 14: escalate to human follow-up — never auto-cancel high-value relationships

Failure mix

Agency cards: ~40% generic_decline (B2B amounts trigger fraud holds), ~30% insufficient_funds, ~15% expired, ~15% other. Authentication-required (3DS) is rising too.

Save offers that work

Save offers are less relevant — relationships are what matter. Use Rechurn for the dunning automation, but always reserve a human-touch fallback for retainers >$5K.

Want to see what this looks like on your Stripe?

See the actual failure mix and recoverable MRR for your agencies business. Free 3-min Stripe audit, read-only.

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Frequently asked questions

Why is payment recovery different for agencies?+
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.
What's the typical recovery rate?+
Agency MRR per client is high ($1K-$10K+), so each recovered invoice matters disproportionately. Automated, professional dunning preserves the client relationship while still collecting reliably.
What failure types are most common in agencies?+
Agency cards: ~40% generic_decline (B2B amounts trigger fraud holds), ~30% insufficient_funds, ~15% expired, ~15% other. Authentication-required (3DS) is rising too.
What save offers work best for this segment?+
Save offers are less relevant — relationships are what matter. Use Rechurn for the dunning automation, but always reserve a human-touch fallback for retainers >$5K.
Does Rechurn handle this segment?+
Yes. Rechurn ships with industry-aware defaults — and you can customize the cadence, save offers, and email tone per your brand. Run a free audit to see what we'd do for your specific account.

Other industries

SaaSOnline coursesMembership sitesE-commerce + subscriptions
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