How much is payment infrastructure
costing your subscription business?
Your billing dashboard has these numbers. This calculator decomposes the cost of payment-caused churn, the LTV compression it creates, and the dollar value you'd recover by eliminating it.
Credit cards expire, banks decline legitimate charges, and processors return cryptic error codes. On average, 30-50% of customers who hit a payment failure never come back, even with state-of-the-art retry logic. These are customers who never clicked “cancel.” The billing system did it for them. Stablecoin-based subscriptions (now supported by Stripe) eliminate these failure modes entirely: no expiring credentials, no intermediary declines, no retry windows. The only failure mode is insufficient balance.
This calculator decomposes your total churn into infrastructure-caused and voluntary components. Every number traces back to your five inputs. Click “LTV Math” to see the full formula chain.
Read the complete thesis on payment infrastructure and subscription economics.