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Recurring Payments

Automate your charges and secure the continuity of your revenue

Your customers register their card once. You manage charges automatically with smart retries to recover failed payments.

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THE CONTEXT

Three challenges that erode recurring revenue

Friction in every transaction

Requesting card data on every charge generates abandonment and reduces conversion especially in high‑volume models.

Failed charges with no recovery

Payments rejected due to expired cards or insufficient funds generate involuntary churn that looks voluntary but is preventable.

Manual management of dates and retries

Coordinating billing dates, manually retrying failed payments and reconciling multiple customers consumes operational time that scales with the business.

THE PRODUCTS

Four models for every type of operation

01

On‑Demand Charges

Store the customer's card securely and execute charges whenever they request a product or service without asking for payment data again.

DeliveryMobilityMarketplaces
02

Scheduled subscriptions

Set fixed billing dates and Kushki executes automatically on each cycle weekly, monthly, quarterly or annual.

MembershipsSaaSEducationSubscription services
03

On‑demand subscriptions

Charge when the business activates it by usage, consumption, outstanding balance or defined event without being tied to fixed dates.

Variable servicesConsumption platforms
04

Pre‑authorization and capture

Reserve funds on the customer's card and execute the final charge when the product or service is delivered or consumed.

HospitalityRentalsServices on reservation

RETRIES

Recover failed charges before losing the customer

The problem

The problem

Recurring payments fail due to expired cards, insufficient funds or credential changes. Without a recovery mechanism, every failure becomes involuntary churn and uncollected revenue.

The solution

The solution

Kushki automatically retries failed charges. Combined with Network Tokens which keep card credentials automatically up to date the system recovers as many payments as possible without manual intervention.

EXTERNAL SUBSCRIPTIONS

Already have your own billing system?
de billing propio?

If you have a specialized provider for subscription management, you can use Kushki's tokenization and process charges from your own platform. The external provider defines the logic and frequency Kushki manages the processing. Compatible with multi‑acquiring schemes.

WHO IT'S FOR

Built for businesses with recurring revenue in Latin America

Ed‑Tech

Education

Enrollment fees, monthly tuition and course installments with automatic charges and retries to reduce delinquency.

Learn more about the Education sector
Insurtech

Insurance

Monthly, quarterly or annual premiums with tokenization and retries to reduce involuntary policy churn.

Learn more about the Insurance industry
Public services

Utilities

Periodic billing for energy, water, gas and telecom services with automatic charges and multiple payment methods.

Learn more about the Utilities sector
Digital subscriptions

SaaS and Digital Platforms

B2B and B2C subscriptions with Network Tokens to keep credentials current and real‑time webhooks.

Learn more about the SaaS industry

Frequently asked questions

Scheduled subscriptions execute charges on predefined fixed dates monthly, quarterly, annual. On‑demand subscriptions are triggered when the merchant decides, based on consumption, usage or a business event, with no calendar commitment.

Kushki automatically retries failed charges. Additionally, Network Tokens keeps the customer's card credentials up to date to reduce rejections due to expired or replaced cards.

Pre‑authorization reserves funds on the customer's card without executing the charge immediately. It is useful when the final amount is determined later such as in hospitality, rentals or reservation‑based services. The final charge is executed with the subsequent capture.

Yes. If you already have a billing provider, you can use Kushki's tokenization and process charges from your platform. Kushki is compatible with multi‑acquiring schemes.

Automate your recurring charges from a single platform

Less manual management, less involuntary churn, more predictable recurring revenue.

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