Memberships & recurring revenue
Subscription businesses live on recurring revenue — and die on involuntary churn. Expired cards, reissued numbers, soft declines, and "card not present" friction silently kill 5-15% of MRR. Xray Payment builds subscription accounts that put the math back in your favor.
Why generic processing fails Subscription & SaaS.
Involuntary churn from expired cards
8-12% of your monthly renewals fail because the card on file expired or was reissued. You don't know until the email bounces.
Soft declines that you don't retry
"Insufficient funds" on the 5th of the month doesn't mean broke — it means they get paid on the 15th. The right retry recovers 60%+.
Chargebacks from "I forgot I subscribed"
Customer signs up for a free trial, forgets, sees the $39 charge 3 months later, disputes it with their bank. You eat $25 chargeback fee + lose the $39.
No Level 2/3 data on B2B SaaS
Your SaaS gets paid by corporate cards. You're not passing PO number, tax ID, line-item — and paying 40 bp higher than you should.
What Xray actually configures for Subscription & SaaS.
Account Updater across all networks
Visa/MC/Discover/AMEX networks notify our gateway when a card is reissued. We auto-update on file before the next charge. ~80% of expired-card renewals saved automatically.
Smart-retry with timing intelligence
Soft declines (insufficient funds, etc.) retry on a schedule that learns your customer base — recovers 60-75% of recoverable declines.
Chargeback prevention + alerts
Verifi + Ethoca alerts let us refund-prevent before the customer disputes. Verified merchant descriptor and clear billing emails reduce "what is this charge" disputes.
Level 2/3 data on every B2B charge
Pass PO, tax ID, line items, ship-to ZIP — qualify for the lowest interchange tier on commercial cards. Saves 40-80 bp.
Programs we run
Configured on your account before activation.
- Recurring billing with smart-retry
- Account Updater (Visa/MC/Discover/AMEX)
- Customer Vault for tokenized card storage
- Verifi + Ethoca chargeback alerts
- 3D Secure 2 for new-customer auth
- Level 2/3 data for B2B
- Multi-currency processing
Software & integrations
Bidirectional, real-time wherever supported.
- Stripe → migration assistance (we'll move your Customer Vault)
- Chargebee, Recurly, Maxio (formerly Chargify)
- Chargify
- Custom API integrations
- Salesforce + HubSpot for revenue ops
Features tuned for Subscription & SaaS.
What it looks like on a Tuesday.
B2B SaaS doing $400K MRR: month-end renewals run on the 1st. 92% succeed first attempt. Account Updater recovers 4% silently. Smart-retry recovers another 2% over the week. Net renewal: 98% — vs. 88% on a generic gateway. The 10-point recovery on $400K MRR is $40K/month in retained revenue, $480K/year.
Why generic processors fall short.
Stripe gives you a recurring API and washes its hands. Account Updater is bolt-on through third parties. Smart-retry is a 5-step Stripe Sigma dashboard you have to build yourself. Chargeback alerts are a separate vendor at $0.25/alert. We bundle all of it into the rate.
The actual math.
A SaaS at $400K MRR ($4.8M ARR) with 12% involuntary churn loses $576K/year. Cut that to 4% (Account Updater + smart-retry + Verifi) and you save $384K/year — paid for many times over by switching processors.
Subscription & SaaS questions, straight answers.
Can I migrate from Stripe?
Yes — we coordinate a card vault migration (Stripe supports this for verified businesses). Zero customer-facing changes.
What's my chargeback exposure?
With Verifi + Ethoca alerts and 3D Secure 2 on signup, most SaaS merchants run <0.5% chargeback. We monitor and alert if a campaign or product change spikes the rate.
Will Account Updater work for AMEX?
Yes — AMEX has its own service called Cardrefresher. We participate in all four networks.
How does smart-retry know when to retry?
We look at decline code + customer history + day-of-month patterns. Insufficient funds on the 5th retries on the 15th and 25th. Card decline retries with Account Updater check first.
