BR Payments
What is Recurring Card (Subscription Billing)?
Recurring card is automatic credit-card billing each cycle (monthly/annual) — base of most SaaS, with chargeback risk and dunning needs.
The big challenge: cards can fail (limit, expired, blocked). Without dunning (retry sequences and warning emails), involuntary churn eats 5-10% of MRR unnoticed.
In Brazil, typical fee is 3-5% per transaction + R$ 0.30. Brand-dependent. Stripe, Pagar.me and Mercado Pago are the main gateways.
Frequently asked questions
How to reduce involuntary churn?
Automated dunning (escalating retries), email warnings before expiry, and offering fallback (Pix).
Does prepaid work for recurrence?
Technically yes, but fails more (zeroed balance, no notice). Limit it to trial; charge credit for recurring.