20-30% of failed subscription payments are caused by expired cards. LostChurn detects expiring cards weeks in advance and automatically notifies customers to update their payment method — before the charge fails.
Credit and debit cards have a fixed expiration date, yet most subscription businesses do nothing until the payment actually fails. By then, you are already in reactive mode — sending dunning emails, retrying charges, and hoping the customer comes back.
Industry data from Recurly and ProfitWell shows that expired cards account for 20-30% of all failed subscription payments. For a company processing $500K in monthly recurring revenue with a 5% failure rate, that is $5,000-$7,500 per month in preventable losses.
20-30%
of failed payments caused by expired cards
$129B
lost to failed payments annually (Source: Visa Global Commerce Report, 2024)
53%
of customers do not update cards without a prompt
85%+
update rate when notified proactively
Four steps, fully automated. No manual card checks, no spreadsheets, no guesswork.
LostChurn continuously monitors your customer payment methods and flags cards expiring within your configured window — 14, 30, or 60 days out.
Customers receive branded, personalized emails letting them know their card is about to expire, with a clear call-to-action to update it.
One click takes customers to a self-service portal where they can securely enter new payment details — no support tickets, no friction.
With an updated card on file, the next billing cycle succeeds. The failed payment never happens. The customer never churns.
Customers are wary of generic payment update emails — they look like phishing. LostChurn sends fully branded notifications that match your company identity, include your logo and colors, and link directly to your secure self-service portal.
Your Company
Hi Sarah,
Your Visa ending in 4242 expires on April 2026. To avoid any interruption to your subscription, please update your payment method.
This update takes less than 30 seconds. Your subscription will continue uninterrupted.
Sent by Your Company via LostChurn
Update Payment Method
Secure payment update for your subscription
Current Card
Visa ending in 4242
Expires April 2026
New Card
The email links directly to a secure, branded portal where customers can update their payment method in under 30 seconds. No login wall for simple card updates — just a tokenized, time-limited link.
Card expiry alerts are the first line of defense. When combined with the smart retry engine and AI-powered dunning, you get a belt-and-suspenders approach that maximizes recovery at every stage.
Catch expired cards before the payment fails. Prevents 20-30% of payment failures from ever occurring.
When a payment does fail, intelligent retry timing based on decline codes, payday cycles, and time-of-day signals recovers 65%+ automatically.
For payments that retries alone cannot solve, AI-personalized dunning emails reach customers with the right message at the right time.
Together, these three layers recover up to 85% of failed payments — compared to 20% with processor defaults alone.
An alert banner on your Overview dashboard surfaces expiring cards so your team always knows the current risk. Click through to see affected customers and take action.
7
Expiring in 14 days
12
Expiring in 30 days
4
Expiring in 60 days
The cheapest failed payment is the one that never happens. Start detecting expiring cards today and reduce your involuntary churn before it begins.
14-day free trial. No credit card required.
Understand why payments fail with 50+ decline code classifications and actionable insights.
Automatically retry failed payments at the optimal time using ML-driven scheduling.
Send context-aware dunning emails that recover more revenue with less subscriber friction.
Transparent plans from $149/mo. See which tier fits your recovery needs.
Compare every feature across all LostChurn plans side by side.
Compare card expiry prevention and recovery features side by side.
