Subscription Billing and Recurring
Payment Processing for SaaS
Recurring revenue that actually recurs. Subscription billing, smart dunning, retry logic, and secure card-on-file — so failed charges and involuntary churn stop silently draining your MRR.
Every failed renewal is churn you didn’t choose. Kadima retries intelligently and keeps stored credentials current, so revenue you earned doesn’t leak away.
Protect every
dollar of MRR.
Recurring billing
Flexible plans, trials, proration, and add-ons — billed on schedule without manual work.
Smart dunning & retries
Intelligent retry timing on failed charges recovers revenue that would otherwise churn.
Stored credentials
Secure card-on-file via Customer Vault for one-click renewals and upgrades.
Usage-based & metered
Bill on consumption, seats, or hybrid models — priced for predictable MRR.
Account updater
Expired and reissued cards are refreshed automatically, cutting involuntary churn.
MRR-friendly pricing
Pricing structured around recurring volume, not one-off transactions.
Subscription billing: common questions
How do you reduce involuntary churn?
Smart dunning and retry logic reprocess failed charges on a schedule tuned to recover rather than annoy, and account updater keeps stored card details current when customers get reissued cards. Most subscription businesses lose more revenue to expired cards than to cancellations.
Do you support usage-based and metered billing?
Yes, alongside flat recurring plans and hybrid structures.
Is card-on-file secure and compliant?
Yes. Stored credentials follow card-network requirements for credential-on-file transactions, which also improves authorization rates on recurring charges.
Why does subscription billing get flagged as higher risk?
Recurring and continuity billing generates more disputes than one-off sales — customers forget a charge, misread trial terms, or struggle to cancel. It is a normal, underwritable pattern; it just needs a processor that expects it. See what makes a business high-risk.
Can I integrate billing into my own product?
Yes — see developer access for the API, payment links and signed webhooks.
Should I start on a commerce platform instead of my own merchant account?
Often, early on. A platform can carry subscriptions, tiers and access control before you have the volume to justify your own billing stack and merchant account. The trade is control: your own account means your own pricing, dunning, integrations and processing relationship. Kadima evaluates which stage you’re actually at and recommends accordingly — see how we evaluate it, or talk to us.
Build billing now,
or buy it for this stage?
Recurring billing on your own merchant account gives you control over pricing, dunning and the customer relationship. A commerce platform can carry subscriptions and access while you’re still finding product-market fit. Kadima evaluates where your business actually is, helps identify which route fits today, and stays available for when that answer changes.
Keep the revenue you’ve already earned.
Tell us about your billing model. We’ll structure subscription processing that protects MRR and reduces involuntary churn.