SaaS & AI subscriptions

Payment help for
SaaS & AI businesses.

SaaS, AI tools and subscription apps live with trial disputes, forgotten renewals, Visa’s VAMP ratio and processors watching every number. Redux helps you bring disputes down, get more renewals through and stay processable.

No guaranteed outcomes, just a clear read on what’s fixable.

Payment reviewIllustrative scenario
VAMP ratio1.31%Close to 1.5%
Renewal approvals86%Below plan
FindingFix
Disputes spike after trials convertReminder before the first charge
Descriptor doesn't match the app nameRename the billing descriptor
No pre-dispute tools enabledTurn on Order Insight and RDR
Failed renewals left to default retriesRecover with Redux

Check your number

Where does your VAMP ratio
actually sit?

Plug in a month of Visa activity. Most subscription businesses are closer to Visa’s threshold than they think.

One month of Visa card-not-present activity
Estimated VAMP ratio1.67%
VAMP count2,000
0%3%+
Over Visa's Excessive thresholdAt 1.5% or more with at least 1,500 fraud reports and disputes, Visa identifies merchants as Excessive and assesses fees.
Estimate only, using Visa's thresholds for the US, Canada, EU, Asia Pacific and LAC. Visa calculates from its own data and excludes disputes resolved through pre-dispute tools. How VAMP works

Anatomy of a dispute

Most subscription disputes
are preventable.

Here’s how a single trial turns into two counts against your VAMP ratio, and where each fix would have stopped it.

1
Trial starts
Card saved, $0 today
Clear terms at checkout
2
Trial converts
$29 charged, no fresh decision
Reminder before the charge
3
Statement arrives
Descriptor reads HOLDCO LLC
Descriptor that matches the app
4
Customer asks their bank
“I don’t know this charge”
Order Insight and CE 3.0
5
Dispute filed
Fraud report plus a dispute
RDR and Ethoca rules
6
Counts toward VAMP
One payment, two counts
Weekly VAMP tracking
The fix that would have stopped itIllustrative journey

Who it’s for

Built around
how you sell.

Web software people pay for monthly: lookup, people-search, claim and productivity tools, often sold with a trial or a one-time result up front.

What usually goes wrong
Chargebacks after the customer got the result they wanted
Disputes the week a trial converts
Extra scrutiny from underwriters for the category
What we'd check first
Dispute reasons by days since signup
Descriptor, receipts and cancel flow
Backup processing options
Read: Friendly fraud in subscription businesses

Recovery

Where we started:
recovering failed renewals.

Every Redux customer uses recovery. It’s the part of the stack with a track record.

$0.0M+

Recovered after default retries gave up

0x

Average return on what you spend

+0.0​

Extra payments per customer

Recovering for top B2C brands
Autopilot logo
Case study
DeepAI logo
Case study
Convergence logo
Bloom logo
Crayo logo
Case study
Pliability logo
Rise logo
Case study
Knowt logo
Case study
Cramly logo
Case study
CreativeOS logo

Payment review

Get a read on
your payment setup.

Share a few details and we’ll reply by email with the fixes that look worth doing first.

What we look at first

Your dispute sources, VAMP exposure, renewal declines and processor situation.

What we don’t need yet

No passwords, bank logins or documents. If we need data, we’ll set up a secure way to share it.

No guarantees

Issuers and processors make the final calls. We’ll be straight about what’s realistic.

Please don’t include passwords, bank logins, card numbers or documents. If we need documents, we’ll arrange a secure way to share them. See our Privacy Policy.

SaaS & AI payments.
Your questions, answered.

Why do SaaS and AI tools get so many disputes?

−

Trials convert without a fresh decision, renewals are easy to forget, descriptors often don't match the product name, and tools that deliver value in one session see disputes once the customer is done.

What is VAMP and should we worry?

+

Stripe already shut us down. Can you help?

+

Do we have to replace our processor or billing system?

+

Can you guarantee results?

+

SaaS & AI

Fix disputes
before your processor does.

Tell us what's going on and we'll tell you what we'd fix first.