CTO & Co-Founder, Atoa. Building open banking payments for the UK. Half the cost of cards. Instant settlement. FCA-authorised. I hire for intent, not resumes. I write about payments, AI, and the messy
Solid retry playbook. One thing worth flagging upstream of all of this: card decline rates in the UK are now ~10–15% on subscription billing — the recovery dunning is necessary because the underlying rail is failing more than people realise. We've been running open banking payments alongside cards on the same merchants and the failure profile is completely different (no expired cards, no 3DS friction, no issuer-side declines based on velocity rules) — so a chunk of the "lost MRR" you're recovering doesn't have to be lost in the first place if subscription billing offers a non-card option. Wrote up the actual decline data here if useful — happy to swap notes on retention numbers from the merchants who've added a bank-pay option.
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Solid retry playbook. One thing worth flagging upstream of all of this: card decline rates in the UK are now ~10–15% on subscription billing — the recovery dunning is necessary because the underlying rail is failing more than people realise. We've been running open banking payments alongside cards on the same merchants and the failure profile is completely different (no expired cards, no 3DS friction, no issuer-side declines based on velocity rules) — so a chunk of the "lost MRR" you're recovering doesn't have to be lost in the first place if subscription billing offers a non-card option. Wrote up the actual decline data here if useful — happy to swap notes on retention numbers from the merchants who've added a bank-pay option.