Churnivo: frequently asked questions

No. It is in pre-order and launching within 60 days. You can reserve a founding spot for ₹499 / $10, which is fully refundable any time before launch, or join the free waitlist. The leak calculator, decline code decoder and email templates on this page are free and work today.

Your ₹499 / $10 reservation counts as your first month after launch. After that the founding plan stays at ₹499 / $10 a month for as long as you remain subscribed, covering up to $50k MRR, email and WhatsApp nudges, and the recovery dashboard.

Stripe Billing first, then Razorpay Subscriptions and Dodo Payments. If you are on a different platform, join the waitlist and tell us which one when we email you.

Smart Retries is good at choosing when to retry, and you should keep it on. It does not stop the customer from forgetting to update an expired or replaced card, its emails are generic, it has no WhatsApp or SMS, and Stripe does not retry India-issued cards. Most recoverable failures need the customer to act, and that is what Churnivo's emails and nudges are for.

Too many retries can. Stripe caps retryable charges at eight attempts and warns that issuers may treat excessive retries as suspicious. Churnivo works with your processor's retry schedule rather than stacking another one on top, and never retries hard declines such as stolen_card or lost_card - for those it asks the customer for a new card.

Under RBI's e-mandate framework the customer's bank must send a pre-debit notification at least 24 hours before each recurring charge, and debits above ₹15,000 need extra authentication (₹1,00,000 for insurance, mutual funds and credit card bills). So you can't retry Indian mandates every few hours like US cards. Churnivo plans retries within those rules through Razorpay and reaches the customer on WhatsApp to fix a cancelled or underfunded mandate.

It depends on your customers, price point and payment mix, so we don't promise a number. Use the calculator on this page with your own MRR and failure rate to see what each extra percentage point of recovery is worth to you.

No. Card updates happen on your payment provider's hosted page (for example Stripe's), so card numbers never touch Churnivo.

Yes. Copy the sequence below into Stripe's customer emails, your email tool or your own code. Replace the merge fields like {first_name} and {update_link} with your own values.