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Executive Summary

Many subscription businesses suffer silent MRR drain when card declines, lost tokens, and issuer-side authorizations silently end renewals; failed payment rates commonly range from 0.5–3% per billing cycle and convert to material revenue leakage. This problem spans SMB to mid-market B2B SaaS, streaming and membership businesses—roughly 2,000,000 subscription companies in the addressable $15.0B market that currently average about $7,500/year on payment-recovery and retention tooling. The product would detect failed payments in real time, enrich them with issuer and merchant-category signals, prioritize recovery attempts with a lightweight ML model suited to sparse event data, and orchestrate targeted retries, account-updater calls, smart dunning and human-assisted outreach across processors and billing platforms. It would provide closed-loop measurement (attempts, recoveries, true uplift) and optional outcomes-based pricing to align economics with customers. The timing is favorable: the subscription economy continues to grow so absolute dollar impact of declines is increasing, tokenization and account-updater improvements mean more transactions are technically recoverable but require orchestration, and recent advances in ML for small-data signals make prioritization effective where historical data is thin. With a $15.0B TAM and many customers still using blunt retry schedules, a specialized orchestration and signal layer can unlock high ROI for customers while commanding recurring SaaS or transaction-fee pricing. To stand out you must combine better data (issuer/MCC heuristics and anomaly detection), tight integrations with the top three billing platforms and 4–6 major processors, transparent A/B measurement, and seller-aligned pricing; that mix is difficult for generalist payments players to replicate quickly. Real challenges are access to the right signals (issuer and processor-level data), onboarding complexity for enterprise stacks, and the need to prove incremental carryover beyond existing account-updater services—early pilots with measurable KPIs are essential before scaling.

Executive Summary

Silent MRR Drain: Detect and Recover Failed Payments to Stop Revenue Loss

Executive Summary

Silent MRR Drain: Detect and Recover Failed Payments to Stop Revenue Loss

Executive Summary

Market Validation

Market Opportunity

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Stop late payments: automated invoice reminders and reconciliation

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Slow finance ops from documents — combine AI, RPA, and document intelligence

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