The decisioning layer above your billing platform. Sits on top of Stripe, Recurly, Chargebee, Zuora, Adyen — or your own — and decides per-customer-per-failure: when to retry, on which channel, in what tone, and which failures to write off. We're paid only on what we recover.
Existing vendors help operators run dunning workflows, recover failed B2C card payments, or query the card networks. Singula is the layer above — the per-failure decisioning none of them productise.
Run the dunning workflow.
B2C card-recovery, narrowly.
One vector, one network.
Cross-vertical. Performance-priced. Per-customer, per-failure.
Every billing platform retries on the same calendar — Day 1, Day 3, Day 7, Day 14 — for every customer, regardless of why the card failed or who the customer is. Industry data suggests intelligent retry timing alone recovers 15–30% more revenue. Almost nobody has productised it.
Calibrates retry timing to each customer's pay-cycle, decline class, prior-failure pattern and engagement state. The Day 1 retry that's mathematically wasted gets skipped. The Day 5 retry that lands on payday gets the customer back.
Operators report a single churn rate and can't reliably separate the two. Aggressive dunning recovers more revenue short-term but accelerates voluntary churn. Soft dunning preserves relationships but loses recoverable money. The dial is set globally, never per customer.
Classifies every failure on a voluntary-vs-involuntary axis and calibrates tone to LTV and engagement signal. High-value engaged customers get soft. Disengaged compound-risk customers get firm. The dial moves per failure, not per platform.
Visa Account Updater and Mastercard ABU exist. Adoption is patchy. A meaningful percentage of "involuntary" churn is actually a card the operator could have silently refreshed and didn't. The customer never sees a decline screen — because the failure never happens.
Orchestrates account-updater queries by recoverability score, not on a fixed sweep. Pre-Failure Radar forecasts the next 30 days of billings, scores each one, and triggers the silent VAU lookup before the issuer ever sees an attempt.
Recurring revenue is the dominant business model across pay-TV, telco, energy, insurance and B2B SaaS. The infrastructure to bill is mature; the intelligence to recover is empty.
Singula's platform is built on a single repeating pattern. Detect the moment a decision is needed — a payment failed, a card decaying, an engagement signal shifting. Decide the right intervention given customer, issuer, failure and goal. Act through the operator's existing dunning and messaging stack. Measure the outcome and fold it back into the next decision. The pattern carried us through pay-TV subscribers and membership organisations. It transfers cleanly to failed payments.
Failed-payment events arrive via REST within seconds. Pre-failure signals — card expiry, engagement decay, issuer drift — are scored daily.
Composite recoverability score across customer signal, issuer signal, failure context and voluntary classifier. Treatment selected from a calibrated library.
Recommendation returned via API to your existing dunning stack. Timing, channel, tone, account-updater query, escalation path — all per failure.
Outcomes flow back. Treatments improve. Recovery rates compound across the failure portfolio. The counterfactual is measured against a held-out control.
Four live tools today. One Decision Moments engine running across the whole lifecycle of a failed payment — before the decline, in the retry window, and after the cycle leaves something behind. Three of those tools form a continuous operational sequence; the fourth is the diagnostic that backstops it.
Scores every upcoming billing on probability of failure. Refreshes the card silently via the network account-updater, nudges the customer to update before payday, sends a light-touch retention message at the right moment. Most failures never happen — the customer never sees a decline screen, the retry cycle never has to start, and voluntary churn is never triggered by friction the operator paid to create.
Per-customer-per-failure decisioning on the failures that do hit. Retry timing calibrated to the customer's pay-cycle, decline class, and prior-failure pattern. Channel chosen by engagement state. Tone calibrated to LTV and voluntary-classifier signal. Account-updater orchestrated by recoverability score. The right retry, the right way, the first time.
Multi-cycle aged debt routed to one of six treatments — chase hard, chase soft, retain, suspend, refer, write off. Including the most valuable recommendation no other vendor will ever make: stop chasing this 26%, they're costing you more than they'll ever return.
Same engine, three moments. Pick the one that bites first — connect us, and we'll show you what the others are quietly losing too.
Four are live. The rest land through 2026.
The wedge. Single-screen daily view of failed payments with intelligent retry recommendations, channel and tone selection, and projected recovery against the fixed-schedule baseline.
Predicts which customers' next payment will likely fail and recommends pre-failure intervention — card update prompts, payment method nudges, light-touch retention before the issuer ever sees a decline.
Ranks every overdue and at-risk customer by probable recoverability, separates voluntary from involuntary, and recommends per-case treatment — chase hard, soft, suspend, refer, write off, retain.
The first defensible separation of voluntary and involuntary churn — diagnostic, reportable, board-ready. Stops operators conflating two churn drivers that need opposite interventions.
Visual canvas for designing and tuning dunning treatments — retry timing, channel, tone, escalation, deflection — with simulation showing projected recovery and churn impact before deployment.
Whole-platform portfolio view. Failed-payment volume, recovery-rate trend, recovered revenue, treatment-library effectiveness, voluntary-vs-involuntary split, top movers. The CFO portfolio dashboard.
Natural-language interface for finance-ops teams to interrogate the failed-payment estate, segment customers, and orchestrate treatment changes through conversation rather than dashboards.
Singula Decisions was born in broadcasting. The decisioning platform that runs subscriber intelligence for pay-TV operators, that we extended into membership organisations, that we're now pointing at ad-supported streaming — is the same engine we're now turning toward failed-payment recovery. Different vertical, same pattern. We are not a fintech vendor that found subscriptions. We are a subscriber-intelligence company that has been quietly running production dunning for years.
No deck. No procurement gauntlet. Tell us your monthly billing volume and your current recovery rate, and we'll show you what we'd recover instead. Performance-priced — we get paid only on uplift.
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