Recurring revenue, without the recurring problems.
Subscription software lives on the renewal. Paytone gives SaaS teams the retry, recovery, and global billing primitives to keep ARR intact across every market, every BIN, and every regulatory edge.
Three problems that don't exist for one-off retail.
A SaaS payment stack has to handle scenarios that pure e-commerce never sees. These are the ones that quietly compress net revenue retention.
Involuntary churn
Most subscription cancellations are not customer decisions. They are expired cards, insufficient funds, and issuer declines that happen silently at 03:00 on the billing date — and the customer never sees the email.
Global expansion friction
The first hundred international customers expose every gap — strong customer authentication in Europe, local methods in LATAM, currency expectations in APAC. Treating the world like a single market caps approval rates everywhere outside your home region.
Billing complexity
Trials, proration, plan changes, seat updates, dunning, tax — every dimension multiplies. The payment layer either composes with that complexity or becomes the bottleneck that slows every pricing decision.
A payment layer built for the renewal cycle.
Each feature plugs into your existing billing engine or runs as a complete primitive. You decide where the boundary sits.
Deterministic retries
Retry schedules tuned to decline reason and issuer behavior — not a single fixed cadence. Each retry uses the optimal acquirer and waits for the issuer's known recovery window.
Dunning workflows
Email cadences, in-app prompts, and grace periods orchestrated alongside retries. Recover the renewal first; let the customer fix their card on their own time.
Multi-currency billing
Quote, charge, and settle in the currencies your customers expect. Tax-inclusive pricing, FX handling, and currency-aware invoices included.
BIN-aware routing
Send each renewal to the acquirer with the best historical approval rate for that BIN range, currency, and amount band.
Customer portal hooks
Update-payment-method flows, invoice access, and self-serve cancel/pause endpoints. Drop them into your existing customer portal in a sprint.
Revenue reporting
MRR, ARR, recovered revenue, and involuntary churn broken out by cohort, plan, region, and acquirer. Finance and growth on the same source of truth.
From signup to recovered renewal.
Four moments where the payment layer has to do real work. Paytone treats each of them as a first-class primitive.
Signup
Hosted or embedded checkout with strong customer authentication, network tokens stored on first use, and a single payment intent for the trial or activation charge.
Activate
First successful charge confirms the subscription. Trial-to-paid conversions route through the cheapest viable acquirer for the customer's region.
Renew
Scheduled renewals run on the best-fit acquirer per BIN. Pre-renewal account updater lookups catch expiring cards before the charge attempt.
Recover
Failed renewals enter a retry cadence keyed to the decline reason, with dunning workflows in parallel. Most recoverable revenue is back within seven days.
Methods that work for recurring charges.
Not every method supports a clean off-session charge. These do — and they cover the bulk of B2B and B2C SaaS traffic.
Card payments
Network tokens and merchant-initiated transactions for friction-free renewals across every major scheme.
ExploreBank transfers
SEPA Direct Debit, ACH, and instant rails — lower-cost recurring charges with mandate management built in.
ExploreMobile wallets
Tokenized wallet credentials store cleanly for off-session renewals — especially useful for prosumer SaaS.
ExploreOpen banking
Variable Recurring Payments under PSD2 — predictable cost, instant settlement, and direct customer consent.
ExploreProtect every renewal.
Share your current involuntary churn rate, the markets you charge in, and the billing engine you run. We'll come back with a recovery plan that pays for the integration within the first quarter.