Recover failed payments

Remembill runs before collection. We recover the payment while the customer is still your customer, using a friendly pre-filled link. Only unresolved cases are handed off to a collection partner. We are not a debt collector.

No. Remembill sits on top of what you already run. Your PSP, ERP and CRM stay in place. We take the failed payments they produce and close the loop.

A file drop pilot can go live in under a week. An API integration typically takes 2 to 3 weeks depending on your side. Onboarding is included at no cost during the pilot.

€0.38 per issued payment request regardless of outcome, plus €1.70 success fee only on a completed payment with the transaction fee included. On top of that comes a fixed platform fee from €250 per month by contracted volume, up to €25,000, a performance share of 0.20 to 4.50 percent of the month's invoice value set by the value-weighted payment rate, and €0.60 per payment request above the contracted volume. The 90-day pilot runs with no platform fee.

Remembill is operated by CoAccept AB (org.nr. 559548-7405) in Stockholm. Bank payments use strong customer authentication issued by the customer's bank and card payments run on regulated processors. Personal data is stored in the EU/EEA under GDPR. Email delivery is handled by Resend in the United States under a data processing agreement with standard contractual clauses.

Yes. Sender name, message copy and the payment page can carry your brand and language. The customer relationship stays with you.

Most failed payments are not refusals to pay. They fail because something broke, expired cards, insufficient funds, bounced transfers, and most of it is recoverable if you reach the customer fast enough. Recurring-revenue businesses lose up to 9 percent of revenue to payment failures each year (PYMNTS/FlexPay, Baremetrics). About 30 percent of subscription churn is involuntary and driven by these failures (GoCardless). Soft declines account for 80 to 90 percent of failed payments (Solidgate, Paddle), and 90 percent of recoveries land in the first 10 days (Recurly). A manually recovered payment costs from €10 (LexisNexis Risk Solutions). Roughly 18 billion consumer bills move through European operators every year (Billentis, EU Commission and ECB based estimates).

Sits on top of your billing: No rip and replace. Keep your PSP, ERP and CRM. Remembill runs in parallel and closes the recovery loop. Automated messaging: Configurable SMS and email cadences with your brand voice and language. Industry benchmarks show up to 73 percent recovery on failed payments through automation (GoCardless, 2023). Pre-filled, no-login payment page: The customer lands on a page that already knows the amount, reference and recipient. Paying is one tap. Multiple payment methods: Bank transfer, card and mobile wallet. The customer picks the method that works best for them. Reconciliation you can trust: Each recovery is matched back to the original bill and delivered to you as a settled, referenced transaction. Optional collection hand-off: For the small share that still does not pay, we hand the case cleanly to your existing collection provider. The 73 percent figure is a GoCardless industry benchmark for automated recovery. It counts number of payments, not value. Remembill's payment rate is measured value-weighted and is therefore not directly comparable.

The full hybrid model, written the same way on every page: two variable fees, a fixed platform fee by contracted volume, a performance share on invoice value, and an overage rate above the contracted volume. €0,38 per issued payment request, regardless of outcome: €0,38. Charged for every payment request you issue, whether or not it is paid. €1,70 success fee, only on a completed payment, transaction fee included: €1,70. Charged only when the payment lands in your account. Card and bank transaction fee included. Both variable fees are fixed and never change with volume. Fixed platform fee from €250 per month by contracted volume, up to €25 000: from €250. Tiers per month: 0 to 500 bills €250 501 to €1 5007 501 501 to €5 00020 005 001 to €15 000500 015 001 to €50 0001 200 050 001 to €150 00025 000, above 150,000 quoted. Performance share 0.20 to 4.50 percent of the month's invoice value: 0.20 to 4.50 %. Set by the value-weighted payment rate and billed monthly in arrears. A 5 percent payment rate gives 0.20 percent, 45 percent gives 1.80 percent, and 100 percent gives the 4.50 percent cap rate. Rounded down to the nearest five percent step. Overage €0,60 per payment request above the contracted volume: €0,60. Charged on top of the variable fees. The 90-day pilot runs with no platform fee and then rolls into an ongoing agreement that renews automatically. Prices are always set in euro.

5,000 payment requests a month at an average bill value of 599 SEK, that is €54.45 at the example rate of 11 SEK per euro, gives 2,995,000 SEK of invoice value, about €272,000. At a 45 percent value-weighted payment rate that is 2,250 completed payments. The month costs 22,000 SEK platform fee, 20,900 SEK in issuing fees, 42,075 SEK in success fees and 53,910 SEK as a 1.80 percent performance share, so 138,885 SEK in total, about €12,600. At a full 100 percent payment rate the ceiling is 271,175 SEK, about €24,700. Fees are set and charged in euro. The rate is a calculation assumption, not a quote. Timing benchmark: 90 percent of payments land within the first 10 days (Recurly). Figures are illustrative and rounded.