Involuntary churn—where an active, satisfied subscriber loses access solely due to an unrecovered payment failure—accounts for 20% to 40% of all subscription cancellations in mobile apps. The Involuntary Churn & Dunning Diagnostic isolates the technical and logistical failure points causing avoidable subscriber loss.
We perform a forensic parse of your failed transaction webhooks, analyzing bank decline response codes, credit card expiration patterns, and timing gaps in billing retry attempts.
What We Investigate
Bank Decline Code Categorization
Segmenting transactions into recoverable soft declines (e.g. temporary insufficient funds, network timeouts) versus permanent hard declines (e.g. stolen card, closed account).App Store & Google Play Grace Period Optimization
Auditing how your application utilizes StoreKit 2 and Google Play Billing grace periods, ensuring subscriber entitlements remain active without giving away unpaid access indefinitely.In-App Dunning Notification Architecture
Evaluating when and how subscribers are alerted within the mobile application interface to update expired billing credentials.Retry Schedule & Intelligent Timing Evaluation
Assessing whether billing retries are executed at optimal intervals (e.g. aligning with common payroll cycles and regional banking schedules).
Deliverables
- Detailed taxonomy report of historical billing decline causes.
- Optimized dunning schedule and grace period state machine rulebook.
- Sample server-to-server webhook event handler logic specifications.
- Post-audit implementation check-in call with your backend engineering team.