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FinMIFinMI
SUBSCRIPTIONS & RECURRING BILLING

Recurring Revenue, Without the Leaks

Run any subscription model on a platform that handles the full lifecycle — activate, renew, pause, retry, update, cancel — with branded recovery flows that turn failed charges back into paid ones.

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Built for Subscription-First Businesses

Everything you need to launch, bill, and recover — without stitching together three tools and a spreadsheet.

Any Schedule, Any Plan

Weekly, monthly, quarterly, annual, or custom intervals. Trials, proration, grandfathered plans — the complexity stays inside the platform, not in your ops playbook.

Recovery That Works

Automated retries on a configurable schedule, branded update-payment emails, and hosted card-update flows keep more revenue inside your business.

MRR You Can Trust

Live MRR, churn rate, active / paused / cancelled counts, and cohort analytics — updated the moment a charge settles.

LIFECYCLE

Every State a Subscription Can Be In

FinMI models the whole lifecycle — no manual SQL, no state drift. Pause a subscription for the summer, resume it cleanly, let a customer update their card on a signed link, and watch MRR adjust in real time.

Active, paused, past-due, cancelled states with audit trail
Pause-and-resume without losing anchor-date semantics
Customer-initiated pause/cancel via the branded portal
Merchant-initiated state changes with permissions + audit log
Webhooks on every state transition
Activate
Start a subscription against a vaulted card
Renew
Automatic charges on schedule with dunning fallback
Pause & resume
Customer or merchant initiated, history preserved
Retry
Configurable retry intervals on failed payments
Update payment
Branded, HMAC-signed link with 7-day TTL
Cancel
Cancel at period end or immediately with audit trail
Failed Charge — SUB-0042
In recovery
Day 0Charge failed — card declined
Day 1Retry 1 — declined (insufficient funds)
Day 3Update-payment email sent
Day 3Customer updated card on hosted page
Day 3Vault refreshed — retry scheduled
Day 4Retry 2 — paid $89.00
Day 4Subscription resumed
Recovered$89.00
RECOVERY & DUNNING

Stop Losing 10–15% of Revenue to Card Declines

The dunning engine retries failed charges on your configured schedule, emails customers a branded, HMAC-signed update-payment link, refreshes the vault when they update, and retries the charge automatically. Recovery rate, queue depth, and per-case timeline are visible in the dashboard and roll up across your merchants.

Configurable retry intervals (minutes, hours, days)
Branded dunning emails with single-click update link
Stateless HMAC-signed tokens, 7-day TTL
Per-merchant dunning settings with copy-to-all controls
Recovery rate, queue, and per-case activity log
SUBSCRIPTION ANALYTICS

Real-Time MRR, Cohorts, and Churn

Every charge, renewal, pause, and cancellation updates the metrics immediately. Look at MRR today, the cohort of customers who started in Q3, or the 30-day recovery rate — without waiting for an overnight batch or wiring up a BI pipeline.

Live MRR with expansion and contraction breakout
Cohort retention curves (1M, 3M, 6M, 12M)
Voluntary vs. involuntary churn attribution
Recovery rate — dollars saved by dunning
CSV and PDF export on every view
MRR
$184K
Active
1,284
Churn Rate
2.1%
Failed Payments
3.4%
MRR trend — Last 90 days
+18.4%

How FinMI Compares

Flat pricing, full lifecycle, and recovery built in — not bolted on.

FinMIMost Popular

  • Monthly platform fee$49–$799/mo flat
  • Any billing frequency
  • Trials & proration
  • Autopay on vaulted cards
  • Dunning with configurable retries
  • Branded update-payment flowHosted, signed URL
  • Copy settings across merchants
  • Customer portal (cards, subs, invoices)
  • MRR, churn, active/paused/cancelled
  • DisputeProof on disputesIncluded Growth+
  • Dedicated account manager

Stripe Billing

  • Monthly platform fee0.5–0.8% of recurring revenue
  • Any billing frequency
  • Trials & proration
  • Autopay on vaulted cards
  • Dunning with configurable retries
  • Branded update-payment flowCustomer portal
  • Copy settings across merchantsPer account
  • Customer portal (cards, subs, invoices)
  • MRR, churn, active/paused/cancelled
  • DisputeProof on disputes
  • Dedicated account manager

Recurly

  • Monthly platform fee$149+/mo + % of volume
  • Any billing frequency
  • Trials & proration
  • Autopay on vaulted cards
  • Dunning with configurable retries
  • Branded update-payment flowAccount Updater
  • Copy settings across merchants
  • Customer portal (cards, subs, invoices)
  • MRR, churn, active/paused/cancelled
  • DisputeProof on disputes
  • Dedicated account managerEnterprise only

Keep Your Recurring Revenue, Recurring

Launch a subscription plan, opt customers into autopay, and watch the recovery engine quietly rescue payments all month long.