Three weeks · Fixed scope · Fixed price
Payment Recovery Sprint
Recover revenue across direct debit, BPAY, PayID, and card — with recovery logic that knows the difference between a missed payment and a pending one.
Most clients start with a one-week Leak Audit before committing to a sprint. If you've already done the audit with us, the audit fee is credited toward this sprint.
Overdue invoices aren't an edge case in your business. They're a category.
Australian car subscription operators run on a payments stack that doesn't look like the rest of the SaaS world. Direct debit through GoCardless or Ezidebit. Customers paying catchups through BPAY or PayID. Cards on file as a backup, not a default. Generic recovery tools assume Stripe Billing and a credit card customer base — and they get a lot wrong about your business.
When most of your customers are paycheck-to-paycheck, an overdue invoice usually doesn't mean a lost customer. It means a customer who's broke until Friday. The standard tools treat both the same — three retries, a generic email, then cancellation. That logic was built for someone else's business, not yours.
And one specific failure mode quietly does more damage than any of the others: chasing customers for payments that are already on their way. A customer pays via bank transfer on Friday afternoon, the funds clear Monday, your dunning email goes out Sunday. They're now annoyed, your support team is now fielding a call that didn't need to happen, and your category's perception problem just got slightly worse. We don't do that.
How much are overdue invoices costing you?
Adjust the numbers to see your estimated recoverable revenue.
Estimated recoverable revenue per month
$12,475 – $29,940
Based on typical recovery rates for Australian direct debit operators.
What's in the sprint
Over three weeks we build and ship the systems that turn missed payments back into paid ones:
- Direct debit failure handling — distinguishing "insufficient funds today" from "this account is closed," and treating each correctly.
- BPAY and PayID catchup flows — making it easy for a customer who's behind to pay what they owe in the way they prefer, without a phone call to your team.
- Pending transfer awareness — recovery logic that knows when a payment is in flight and pauses the dunning sequence accordingly.
- Card retry timing — retrying when your customers actually have money in the account, not on a fixed three-day cycle.
- Customer-friendly comms — messaging that treats a missed payment as a logistical issue, not a moral one.
- Self-serve account updates — frictionless flows for customers who want to fix the problem but can't get through the friction in your current system.
- Recovery dashboard — clear reporting on what's working, what isn't, and where the remaining gap is.
Built on your existing stack. We work with whichever processor you're already running on.
What you'll have at the end
A measurably smaller gap between revenue billed and revenue collected. Recovery numbers in your own dashboard. And a system that keeps working long after we're gone — no lock-in, your code in your repo.
How the three weeks run
We look at your current overdue invoice data, identify the highest-leverage fixes, and design the new flows. You sign off before we build.
We ship the new systems into staging. You and your team review.
We ship to production, monitor closely, and hand you a recovery dashboard so you can see the impact in your own data.
What it costs
Most Payment Recovery Sprints sit in the range of $30,000–$50,000 AUD, depending on the complexity of your existing setup. We'll quote firmly after a 30-minute scoping call.
Book a scoping call