Scheduled billing
Run subscriptions and continuity plans on the cadence you set, with stored tokens so you bill repeatedly without holding card data.
Product
Recurring & Subscription Billing
A high-risk-ready subscription billing platform, scheduled billing, smart dunning, an account updater that keeps stored cards current, and clean cancellation, all connected to a high-risk merchant account. It recovers the failed payments that quietly drain subscription revenue instead of freezing when volume climbs.
- Smart dunning recovers failed payments
- Account updater keeps cards current
- Built for high-risk subscriptions
Answer first
Subscription revenue leaks where you can’t see it
The story most subscription businesses tell themselves about churn is wrong. They picture customers actively quitting, when in reality a large share of lost revenue is involuntary, payments that simply fail. A card expires. A reissued card has a new number. A charge declines for a transient reason and never gets retried. The subscriber didn’t decide to leave; the billing just broke, quietly, and nobody noticed until the revenue was already gone.
GivePayments is a recurring payment processor built to stop that leak. It runs your scheduled billing, retries failed payments on an optimized cadence rather than a single blind attempt, and keeps stored cards current with an account updater so an expired or reissued card refreshes automatically instead of lapsing a paying customer. Recovering those failures is usually the biggest lever a subscription business has on revenue, precisely because the customer never wanted to go.
What it does
Scheduled billing, recovery and compliance in one engine
Smart dunning
A sequence, not a single email: soft declines retried quietly, hard ones routed to the customer, recovering the recoverable failures without nagging people into cancelling.
Account updater
Expired and reissued cards refresh automatically, so a new card number doesn’t silently lapse a paying subscriber.
Cancellation done right
Clear price-and-renewal disclosure at signup, an easy cancellation path, and a recognizable descriptor that heads off “what is this charge?” disputes.
Dunning that recovers
Recover involuntary failures without annoying anyone
Good dunning distinguishes a soft decline it can quietly retry from a hard one that needs the customer, refreshes the card through the account updater where it can, and only prompts the subscriber when input is genuinely required. The difference between dunning that works and a tool that retries once shows up directly in monthly recurring revenue.
- Optimized retry cadence, not a single blind attempt
- Account updater refreshes expired and reissued cards
- Customer prompted only when input is genuinely needed
Built for high-risk
Underwritten for your category, not bolted onto low-risk
Mainstream subscription tools assume a low-risk merchant and freeze the account the moment disputes climb, which, for recurring charges and trial conversions, they will. Ours underwrites your category from the start and pairs the billing engine with chargeback management and fraud prevention, so a normal dispute cycle is managed rather than treated as a reason to shut you off.
- Connected to a high-risk merchant account
- Paired with chargeback management and fraud prevention
- A normal dispute cycle is managed, not a kill switch
Cancellation & compliance
Easy cancellation is the cheaper choice
The instinct to make cancellation hard backfires. Friction doesn’t retain subscribers, it converts the ones who want out into chargebacks, and chargebacks push your ratio toward the card-brand thresholds that put the whole account at risk. The billing platform supports the opposite: clear price-and-renewal disclosure at signup, an easy cancellation path, and a recognizable descriptor that heads off “what is this charge?” disputes before they start.
The regulatory picture around subscription cancellation keeps moving, and we track it on our click-to-cancel 2026 status page, but the commercial logic doesn’t move: easy cancellation is the cheaper option. The engine runs through our gateway, so it connects to the stores and stacks you already use, WooCommerce, Shopify, and similar carts via our integrations, or the API directly for custom plans and schedules.
FAQ
Recurring billing FAQ
What is a recurring payment processor?
A recurring payment processor is a payment provider that runs scheduled, repeat charges on stored card credentials, billing subscribers automatically on a set cadence, rather than collecting a one-time payment. A good one adds smart dunning (intelligent retries on failed payments), an account updater that refreshes expired or reissued cards, and clean cancellation and descriptor practices. For high-risk verticals, the recurring payment processor should also be connected to a high-risk merchant account so the subscriptions sit on an underwritten account that won't freeze when disputes climb.
What is the best recurring billing for high-risk subscriptions?
The best fit is a recurring payment processor connected to a high-risk merchant account, one that runs scheduled billing, retries failed payments intelligently, keeps stored cards current with an account updater, and supports clean cancellation. Mainstream subscription tools assume a low-risk merchant and will freeze a high-risk account when disputes climb. A high-risk subscription billing platform underwrites your category and gives you the dunning and compliance tooling that keeps recurring revenue under the card-brand thresholds.
How does dunning reduce churn?
Most subscription losses aren't customers quitting, they're payments failing. A card expires, hits its limit, or declines for a transient reason, and without recovery the subscriber silently lapses. Smart dunning fixes that: it retries failed payments on an optimized schedule, uses an account updater to refresh expired or reissued cards automatically, and prompts the customer when input is genuinely needed. Recovering those involuntary failures is often the single biggest lever on subscription revenue, because the customer never wanted to leave.
Does it work with WooCommerce and other carts?
Yes. The recurring billing engine runs through our gateway, which connects to WooCommerce, Shopify, and similar platforms, so you can add subscriptions to a store you already run. Developers can also drive recurring billing directly through the API for custom schedules and plans. Either way the subscriptions sit on a high-risk-ready account rather than a low-risk tool that risks freezing.
How does recurring billing handle cancellation compliance?
It supports the practices that keep subscription merchants on the right side of the rules and out of dispute trouble: clear disclosure of price and renewal terms at signup, a straightforward cancellation path, and a recognizable billing descriptor. Cancellation friction doesn't retain customers, it converts them into chargebacks, which raise your ratio toward the card-brand thresholds. Making cancellation easy is both compliant and the cheaper option. We track the shifting rules on our click-to-cancel status resource.
Related
Keep exploring
Billing that recovers failed payments and survives disputes.
If you run subscriptions in a high-risk vertical and want recurring revenue on an account that’s built to keep it, that’s exactly what we do.