Add a differentiated payment recovery capability to your software platform.
eCard Transactions partners with software companies whose customers run on recurring billing — subscription and membership platforms, ISPs, utilities, and other service providers.
No preset model, no commitment — a 25–30 minute conversation to see whether it's worth going further.
Your platform doesn't have to build every payment-recovery capability itself.
Your customers already rely on your software for subscribers, billing, and recurring revenue. Recovering the payments that fail is its own discipline:
- Account updates — replacing expired and reissued cards before the next charge
- Retry decisions — when to re-attempt, and on which credential, based on the decline
- Tokens and gateways — network-token lifecycle and gateway connectivity, kept working together
Your platform doesn't need to become a payments company. It needs the right recovery capabilities for the customers you already serve.
sub_4f2a91 · $89.00 · monthly- Day 0 Recurring charge declinedIssuer response 54 — card expired Declined
- Day 1 Account Updater matchNew expiry returned by the card network Updated
- Day 3 Intelligent retryRe-attempted on the updated credential Approved
- Day 3 Webhook to your platformSubscriber record written back as active Recovered
Illustrative sequence. Actual timing depends on issuer, gateway, and retry policy.
A focused partner network for recurring-billing software.
Subscriber & Membership Management
Platforms that manage customers, plans, and renewals — for ISPs and utilities, clubs and associations, and other subscription businesses.
Billing & Invoicing Platforms
Software responsible for recurring charges, invoicing, dunning, and the payment integrations that sit behind them.
Vertical SaaS with Card-on-File
Industry-specific platforms where recurring card payments and customer retention are central to the business model.
The strongest candidates tend to share two things: an established API or integration ecosystem, and a reason to expand payment capabilities without building every recovery component in-house.
Explore what eCard could add to your platform.
Which of these apply depends on your billing, gateway, and payments architecture:
payment.recoveredDelivered · 200{
"event": "payment.recovered",
"subscriber_id": "sub_4f2a91",
"amount": 8900,
"currency": "USD",
"attempt": 2,
"recovered_via": "account_updater",
"gateway": "nmi",
"occurred_at": "2026-09-12T08:30:14Z",
"write_back": {
"status": "active",
"next_charge": "2026-10-12"
}
}
Account Updater
Keeps credentials current when participating issuers reissue or expire cards.
Intelligent Recovery & Retry
Retries shaped by the issuer's actual response rather than a fixed schedule — an expired card routes to Account Updater first; a soft decline is re-attempted when it's more likely to succeed. Basic dunning retries the same credential the same way every time.
Network Token Support
Network-token issuance and lifecycle handling for token-based environments.
REST API
Connect eCard capabilities to your application and subscriber workflows.
Webhooks
Recovery events and status written back to your platform as they happen.
Gateway & Token Connectivity
NMI and other compatible gateway environments, including token-support requirements.
Implementation Assistance
eCard works with your team to define the commercial, workflow, gateway, and technical requirements.
Compatibility and architecture are confirmed during technical discovery.
Add capability.Preserve flexibility.
Every platform is different. Some partners want a straightforward referral relationship; others a commercial or technical integration. Many start with one and grow into the other.
One program. Different ways to work together.
The right structure depends on your customers, your product, and how closely eCard is woven into the experience you want to provide.
Referral Partnership
Introduce appropriate customers to eCard while your platform remains focused on its core product.
You see a customer need for payment recovery but do not necessarily want to integrate the capability directly into your product.
Revenue-Share Partnership
A commercial relationship with economics aligned around the opportunities you generate together.
There's strong customer and commercial alignment, and both organizations see value in an ongoing partnership.
Technical / Integration Relationship
eCard capabilities connected to your billing or subscriber environment through APIs, webhooks, token support, or gateway connectivity.
There is enough product and technical alignment to justify deeper integration.
Not sure which applies? That's what the first conversation is for.
Explore a PartnershipFind out whether it's worth pursuing before anything gets complicated.
Tell us about your platform
Your product, customers, payment environment, and what prompted your interest.
Talk with our team
A short call on your billing workflow and what a useful partnership looks like.
Evaluate commercial & technical alignment
Together, settle on the partnership model and any technical requirements.
Define the path forward
Agree the commercial terms, implementation scope, and next steps.
What we'll actually talk about.
Not an architecture review — a short, structured conversation to find out whether a partnership is worth pursuing, and in what form.
-
Your platform
- Who your software serves
- What it handles today in recurring billing
-
Your payment stack
- What your gateway or processor already covers
- Which recovery capabilities exist — and where the gaps are
-
The partnership
- Which structure could make sense
- Whether a technical follow-up is worthwhile
Common questions.
Do we need to change our billing platform?
Not necessarily. The purpose of the initial discussion is to determine whether eCard can complement your existing environment. The right approach depends on your current billing system, payment workflows, gateway relationships, and technical architecture. We would validate any proposed integration before recommending a specific implementation path.
Which gateways and integrations are supported?
eCard can discuss NMI and other compatible gateway environments, along with REST APIs, webhooks, token support, and related integration requirements. Exact compatibility should be confirmed during technical discovery rather than assumed from the outset.
Are we required to integrate with eCard?
No. A technical integration is only one possible partnership path. Depending on your situation, a referral or revenue-share relationship may make more sense.
How do referral and revenue-share partnerships differ?
A referral relationship may be appropriate when your platform wants to connect customers with eCard without creating a deeper technical integration. A revenue-share arrangement may be considered where the commercial relationship and opportunity justify it. Specific terms are discussed after we understand the partnership model and the opportunity.
What does implementation involve?
It depends on the relationship. A referral partnership may require relatively little technical work. An integration relationship may involve discovery around APIs, webhooks, gateways, token handling, payment workflows, security requirements, testing, and support ownership. Implementation scope is defined jointly after technical review.
Do you support APIs and webhooks?
REST API and webhook capabilities are available for discussion as part of a potential integration. The specific events, data flows, endpoints, and responsibilities would be defined during technical discovery.
Does submitting the form commit us to anything?
No. Submitting the form simply tells us you're interested in exploring whether a partnership makes sense. There is no obligation to enter into a partnership, integration, or commercial agreement.
What happens after I submit the form?
You'll be taken straight to our Partner Success Network calendar to pick a time for a short intro call. If you'd rather skip the form, you can book a call directly.
Worth a conversation?
Tell us a little about your platform — it makes the first conversation more useful. Submitting doesn't commit you to anything.
Prefer to skip the form? Book a call directly →
Your platform already solves important problems for recurring-billing businesses.Could payment recovery become another capability you offer them?
We're starting with a focused group of software companies serving subscription, membership, and recurring-service businesses.