Home/Features/Card Health Monitoring

Recovery

Catch expiring cards
before the charge runs.

Every month, Recurflux identifies which cards expire next month and sends a branded update email with a one-click portal link. The customer updates before the charge runs — no failure, no dunning, no retry wasted on a card that was never going to work.

Monthly

Expiry checks — before every billing cycle

0

Retries wasted on expired cards

1-click

Portal link in every update email

Quick answer

Card health monitoring identifies subscribers whose cards are expiring before the billing date arrives. Recurflux runs monthly checks, identifies cards expiring in the next billing cycle, and sends a branded update email with a one-click portal link. The charge runs against an updated card — no failure, no retry, no dunning sequence needed.

Expired card failures are
entirely preventable.

Without card monitoring

  • Card expires on Jan 31, next billing is Feb 1
  • Charge fires, fails immediately — hard decline
  • Retry queue kicks in — all retries will fail
  • Customer enters dunning sequence for a problem that could have been prevented

With Recurflux

  • January check identifies card expiring in February
  • Branded update email goes out with a portal link
  • Customer updates card before the charge runs
  • Billing succeeds — no failure, no dunning, no disruption

Prevented before
it ever fails.

01

Monthly expiry scan

At the start of each month, Recurflux reads card metadata from your connected processor and identifies every subscriber whose card expires in the next 30 days.

02

Branded update email sent

Each at-risk subscriber receives an email from your domain: your logo, your language, your brand. The email explains the card is expiring and includes a one-click portal link.

03

Customer updates via portal

One click to the payment portal — no login, no password. They enter the new card details in under 60 seconds.

04

Billing runs clean

When the billing date arrives, the charge hits the updated card and succeeds. No failure is logged, no dunning sequence fires, no retry is queued.

Set it once.
Runs every month.

01

Email copy and branding

Edit the subject line and body of the expiry warning email. Set the sending domain to match your product. Preview before activating.

02

At-risk subscriber view

The recovery dashboard shows every subscriber with a card expiring in the next 30 days — name, MRR, card expiry date, and whether they have clicked the update link.

03

Update confirmation

When a subscriber updates their card via the portal, it is logged in their activity timeline. You can see who updated proactively vs. who needed a follow-up dunning email.

Catch expiring cards before they fail. Connect and start proactive card updates.

See how this works →

Common questions.

When does Recurflux check for expiring cards?

Recurflux runs a check at the start of each month and identifies every subscriber whose card expires in the following month. Update emails go out early enough for the customer to act before their billing date.

What does the update email look like?

The email sends from your domain with your branding — logo, colors, and language. It includes a one-click link to the payment portal where the customer can update their card in under 60 seconds.

What happens if the customer does not update in time?

The charge runs on the normal billing date. If it fails due to an expired card, Recurflux skips the retry queue (retrying an expired card is always a wasted attempt) and sends a card-update dunning email immediately.

Does this work with Stripe, Paddle, and Razorpay?

Yes. Card health monitoring is available across Stripe, Paddle, Razorpay, and Cashfree. Recurflux reads card metadata from your connected processor to identify upcoming expiries.

Is there a way to see which cards are expiring?

Yes. The recovery dashboard has an "at-risk" view that shows every subscriber with a card expiring in the next 30 days, alongside their MRR contribution.

Prevent failures
before they happen.

See pricing →

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