Payments for SaaS and subscription software
Your revenue is recurring, which means your biggest payment problem isn't acquiring the customer — it's the mandate that fails on month seven and churns them without either of you noticing.
The problem
How payments actually hurt in saas
Generic payment advice misses what's specific to your category. These are the failure modes we see most often here.
Involuntary churn is invisible
A customer who wanted to stay but whose card mandate failed looks identical in your numbers to one who left. It's usually a bigger bucket than voluntary churn.
Mandate compliance changed the game
RBI's e-mandate framework broke a lot of naive recurring implementations. Getting AFA, pre-debit notification, and limits right is not trivial.
Plan changes create billing edge cases
Upgrades, downgrades, add-ons, and proration mid-cycle are where most home-grown billing logic starts producing wrong invoices.
Failed debits need a real recovery process
One retry the next day isn't dunning. Recovery depends on retrying at the right time for the right failure reason.
What we do about it
How PayVizio is set up for saas
UPI AutoPay and card mandates
Both rails, with the compliant consent flow, pre-debit notifications, and limit handling done for you.
Dunning that recovers revenue
Retry schedules tuned to the failure reason, with customer notifications, until the cycle recovers or closes cleanly.
Proration and plan changes
Upgrades, downgrades, trials, and add-ons handled mid-cycle without hand-written billing maths.
Lifecycle webhooks
Signed events on every mandate, debit, failure, retry, and cancellation so entitlement in your app always matches billing.
MRR and churn reporting
Active mandates, involuntary churn, and recovery rate broken out — so you can see the leak, not just the total.
Self-serve and enterprise together
Card and UPI self-serve subscriptions alongside payment links and invoices for enterprise contracts on annual terms.
Run the numbers
What is this costing you today?
Three inputs, no form. If the number is uncomfortable, the written audit shows you exactly where it's going.
Your numbers
What that is costing you
Avoidable payment cost, per year
₹6.00 L
₹50K a month — modelled at an effective 1.70% versus your 1.95%.
₹6.67 L
Working capital unlocked by moving 1 day earlier
₹36.00 L
Annual GMV recovered at a 1.5% authorisation uplift
Indicative model, not a quote. It assumes a 0.25% improvement on your effective MDR, T+1 settlement, and a 1.5% authorisation uplift from failover and retries. Your actual numbers depend on business category, payment mix, and volume — the audit works them out from your real statements.
Find out what payments cost your saas business
A free, written payment cost audit against your real numbers. No integration, no obligation.