The Failed Payment Problem

20-40% of SaaS and subscription churn is involuntary—customers who wanted to stay but their payment failed. The problem? They never saw your email notification buried in their inbox.

WhatsApp has a 98% open rate. When a payment fails, your customer sees the notification immediately—not hours or days later when it's too late.

The Opportunity
$200B+ is lost annually to failed payments

Multi-channel dunning recovers 50%+ of failed payments compared to 20-30% with email alone. That's revenue you're losing every month.

Payment Automation Use Cases

❌
Failed Payment Recovery
Instant WhatsApp alert when card declines. Include one-click payment update link.
→ 50%+ recovery vs 20-30% email only
🔔
Renewal Reminders
7-day and 1-day reminders before subscription renews. Reduce surprise charges.
→ 25-30% less involuntary churn
⏰
Trial Ending
Convert free trials with WhatsApp reminders 3 days and 1 day before expiration.
→ 30-50% higher conversion
✅
Payment Confirmation
Instant receipt via WhatsApp for immediate visibility. Email for records.
→ 98% customer visibility
📄
Invoice Created
Send invoices via WhatsApp for faster payment. Include direct pay link.
→ Faster payment collection
💸
Refund Processed
Automatic confirmation when refunds complete. Build trust with transparency.
→ Improved customer trust

Smart Dunning Sequence

Our recommended failed payment recovery sequence maximizes recovery while respecting your customers:

Multi-Channel Recovery Flow
Immediate WhatsApp "Your payment failed. Update card instantly →" + payment link
+4 hours Detailed email with card update instructions
+24 hours WhatsApp "Action needed to keep your subscription active"
+3 days Final notice before account suspension

Frequently Asked Questions

How does the Stripe connection work?

Connect via API key in your HiMail.ai dashboard. We listen to Stripe webhooks for payment events (successful, failed, subscription changes) and trigger your automations instantly.

Is customer payment data secure?

Yes. We never store full card numbers or sensitive payment data. We only receive event notifications (payment succeeded/failed, subscription status) needed to trigger messages.

Does it work with Stripe Billing/Subscriptions?

Yes. Our integration fully supports Stripe Billing including subscription lifecycle events, trial periods, proration, and metered billing.

Can I include payment links in WhatsApp messages?

Yes! Include direct links to update payment methods, hosted invoice pages, or Stripe Customer Portal. One tap to fix the issue.