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Preview.This is on the FinMI platform roadmap. We are shipping DisputeProof first.
Subscriptions

Recurring revenue, without the leaks.

Run any subscription model with the full lifecycle handled: activate, renew, pause, retry, update, cancel. Branded recovery turns failed charges back into paid ones.

Recovery rate
Last 90 days
71%
of failed charges, recovered.
$184k
Saved
+18.4%
QoQ
2,847
Charges

Built for subscription-first businesses.

Everything you need to launch, bill, and recover. Not three tools and a spreadsheet stitched together.

Any schedule, any plan

Weekly, monthly, quarterly, annual, or custom intervals. Trials, proration, grandfathered plans. The complexity lives in the platform, not your ops playbook.

Active, paused, past-due, cancelled with audit trail
Pause and resume without losing anchor-date semantics
Webhooks fire on every state transition

Recovery that works

Automated retries on a configurable schedule, branded update-payment emails, and hosted card-update flows keep more revenue inside your business.

MRR you can trust

Live MRR, churn rate, active and paused counts, and cohort analytics. Updated the moment a charge settles.

Subscription lifecycle

Every state a subscription can be in.

FinMI models the whole lifecycle. No manual SQL, no state drift. Pause a subscription for the summer, resume it cleanly, let a customer update their card on a signed link, and watch MRR adjust.

Activate

Start a subscription against a vaulted card.

Vaulted card stored once, charged forever
Anchor date locks the billing schedule
Trials and grandfathered plans supported

Renew

Automatic charges on schedule with dunning fallback.

Pause and resume

Customer or merchant initiated. History preserved, anchor date intact.

Retry

Configurable retry intervals on failed payments.

Update payment

Branded, HMAC-signed link with a 7-day TTL.

Cancel

Cancel at period end or immediately with full audit trail.

Failed charge · SUB-0042
In recovery
Day 0Charge failed: card declined
Day 1Retry 1: declined (insufficient funds)
Day 3Update-payment email sent
Day 3Customer updated card on hosted page
Day 3Vault refreshed, retry scheduled
Day 4Retry 2: paid $89.00
Day 4Subscription resumed
Recovered$89.00
Recovery and dunning

Stop losing 10 to 15% of revenue to card declines.

The dunning engine retries failed charges on your schedule, emails customers a branded HMAC-signed update-payment link, refreshes the vault when they update, and retries the charge automatically. Recovery rate, queue depth, and per-case timeline are visible in the dashboard.

Configurable retry intervals
Branded dunning emails
Stateless HMAC-signed tokens
Per-merchant dunning settings
Recovery rate and queue dashboard

Real-time MRR, cohorts, and churn.

Every charge, renewal, pause, and cancellation updates the metrics immediately. No overnight batch, no BI pipeline to wire up.

MRR
$184k
this month
Active
1,284
subscriptions
Churn
2.1%
30-day rolling
Failed
3.4%
last 30 days
MRR trend · last 18 months
+18.4% QoQ
JanQ2Q3Q4This month
Active
1,284
Paused
42
In recovery
96
Live MRR
Expansion and contraction breakout.
Cohort retention
1M, 3M, 6M, 12M curves.
Churn attribution
Voluntary vs. involuntary.
Recovery dollars
Saved by dunning, in real time.
The honest comparison

How FinMI compares.

Flat pricing, full lifecycle, and recovery built in. Not bolted on.

Feature
FinMI
Stripe Billing
Recurly
Monthly platform fee
Flat plan pricing
0.5% to 0.8% of recurring revenue
$149+/mo plus volume %
Any billing frequency
Yes
Yes
Yes
Trials and proration
Yes
Yes
Yes
Autopay on vaulted cards
Yes
Yes
Yes
Dunning with configurable retries
Yes
Yes
Yes
Branded update-payment flow
Hosted, signed URL
Customer portal
Account updater
Copy settings across merchants
Yes
Per account
No
Customer portal
Yes
Yes
Yes
MRR, churn, lifecycle counts
Yes
Yes
Yes
DisputeProof on chargebacks
Included
No
No
Dedicated account manager
Yes
No
Enterprise only

Keep your recurring revenue recurring.

Launch a subscription, opt customers into autopay, and watch the recovery engine rescue payments all month long.