Strategy and Solutions
The client was a fast-scaling B2B SaaS company serving mid-market and enterprise customers across North America and Europe. Their subscription-based platform supported thousands of monthly recurring customers across industries like HR tech, logistics, retail analytics, and cloud security. As they expanded globally, the company began encountering recurring payment failures due to reliance on a rigid third-party processor that lacked multi-currency support and granular control over billing flows.
The platform saw rising involuntary churn, revenue leakage, and customer frustration when legitimate payments failed without explanation. Transaction fees were also becoming prohibitively expensive with scale, eating into margins and limiting the company’s ability to offer flexible pricing models worldwide. To support their global customer base and prepare for an upcoming expansion into APAC, the SaaS provider engaged Zymr to build a custom recurring billing and multi-currency payment gateway, engineered for scalability, reliability, and compliance across regions.
The discovery phase exposed deep structural limitations in the existing billing system—impacting revenue, customer experience, and financial operations.
High Involuntary Churn from Failed Recurring Payments
Nearly 8% of monthly churn was caused by:
Customers churned not because they wanted to leave—but because the system failed them.
Dependency on Expensive, One-Size-Fits-All Third-Party Processor
The existing processor offered no:
Transaction fees had ballooned, costing the company hundreds of thousands annually.
No Multi-Currency or Local Payment Support
As the company expanded into new markets, customers wanted:
Without these, signups stalled and conversions dropped.
Rigid Subscription Engine and Billing Structure
The outdated billing system couldn’t support:
This limited product innovation.
Compliance Exposure (PCI DSS + GDPR)
The system lacked:
This created legal and security risks.
Zymr transformed the client’s subscription revenue engine from a rigid, failure-prone billing system into a global, scalable, compliant, multi-currency payment gateway. By enabling smarter retries, enhanced compliance, customer-controlled billing, and major cost reductions, the client improved revenue retention, expanded internationally, and unlocked a sustainable competitive edge.
Replacing the old processor with a smart, multi-method, automated billing engine dramatically reduced involuntary churn.
The custom gateway eliminated dependency on costly third-party processors and introduced flexible routing.
Dunning automation + card-updater integrations significantly improved renewal success rates.
This enabled revenue-share collaborations the client couldn’t pursue earlier.
Local payments + multi-currency pricing boosted conversion across Europe and APAC.
The new self-service portal reduced billing-related support tickets drastically.
With cleaner billing cycles, finance teams gained accurate daily, weekly, and monthly forecasts.
Risk scoring and bank-debit validations lowered disputes and unauthorized transactions.
Usage-based billing allowed the client to introduce new modules rapidly.
GDPR + PCI documentation strengthened auditor confidence and investor trust.
The gateway handled hundreds of thousands of recurring transactions monthly without degradation.
Zymr delivered a custom, compliant, multi-currency, recurring billing gateway tailored for the company’s global SaaS footprint.
1. Custom Recurring Billing Engine
Zymr built a modular billing platform using:
The engine supported:
This replaced the rigid processor-based billing with a fully flexible internal engine.
2. Multi-Currency & Multi-Region Payment Support
Zymr integrated:
We also added client-side and server-side currency fallback logic, preventing checkout failures in high-FX volatility markets.
3. Smart Dunning & Retry Orchestration
Zymr implemented a multi-layer, intelligent retry system using:
The system recovered 41% of previously lost revenue automatically.
4. Customer Self-Service Payment Management
To reduce support load and improve customer control, we built:
This shifted billing management responsibility from support teams to end-users.
5. Integrated Bank Debit, Cards, PayPal & Crypto
The gateway offered:
Each method followed strict compliance controls.
6. PCI DSS + GDPR Alignment
Zymr ensured full compliance by implementing:
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