Three weeks · Fixed scope
Catchup Sprint
For operators already running catchups by hand, and for operators losing customers they didn't have to. Same software. Two outcomes: less admin, less churn.
Most clients start with a one-week Leak Audit before committing to a sprint.
Late doesn't have to mean lost. But it usually does — twice.
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. Catchups through BPAY or PayID. Cards on file as a backup, not a default. And a customer base that's mostly paycheck-to-paycheck — which means a missed payment usually isn't a lost customer. It's a customer who's broke until Friday.
Generic recovery tools were built for someone else's business: three retries, a generic email, then cancellation. Operators in this category usually deal with that mismatch in one of two ways — and both of them cost.
If you already work catchups by hand
You're absorbing the cost in admin.
Phone calls. BPAY arrangements. Texts to remind customers the transfer cleared. A spreadsheet that gets longer every week.
The worst failure mode is the one that's hardest to count: chasing customers for payments that are already on the way. They pay by bank transfer Friday, the funds clear Monday, your team sends a dunning email Sunday. Now they're annoyed and your support inbox is full.
We turn the playbook you already run into a system that runs itself.
If you cancel on missed payments
You're absorbing the cost in churn.
Three retries, generic email, cancellation. Logic built for SaaS customers with credit cards and steady incomes — not yours.
Most of the cancellations that come out of that flow aren't credit failures. They're timing failures dressed up as credit failures. The customer would have paid Friday. You let them go on Wednesday.
We give you the catchup pathway you don't have yet — without asking your team to work it by hand.
How much are late payments costing you?
Whether it's leaving with cancelled customers or sitting in your overdue invoices, adjust the numbers to see what's on the table.
Estimated revenue at stake per month
$12,475 – $29,940
Based on typical late-payment rates for Australian direct debit operators — whether that revenue is currently being recovered manually or lost to cancellation.
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, and a measurably smaller number of cancellations that turned out to be timing problems. Both 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.
Ready to start?
Book a 30-minute scoping call. We'll tell you whether the sprint is the right fit and what we'd focus on first.
Book a scoping call