# Recover failed renewals and reduce involuntary churn

Most failed subscription renewals are not customers leaving: the saved card
expired, was replaced, or was declined. Orchestrapay keeps saved cards current
with the account updater and network tokens, retries declines on another
processor in the same attempt, and reaches the customer through invoices and a
billing portal when a card cannot be saved.

Page: https://www.orchestrapay.com/solutions/recover-renewals

## Why renewals fail, and what catches each one

| Reason | Product | How |
| --- | --- | --- |
| The card expired | [Card Account Updater](https://www.orchestrapay.com/products/card-account-updater.md) | New expiry reaches the vault before the renewal. |
| The card was replaced | [Network Tokens](https://www.orchestrapay.com/products/network-tokens.md) | The token follows the customer to the new card. |
| The issuer did not trust a stored card | [Network Tokens](https://www.orchestrapay.com/products/network-tokens.md) | A one-time cryptogram shows the credential is current. |
| The processor declined or was down | [Smart Routing](https://www.orchestrapay.com/products/smart-routing.md) | Soft declines and outages cascade to another processor. |
| The card is locked to your old processor | [Card Vault](https://www.orchestrapay.com/products/card-vault.md) | Saved cards live in a vault you own. |
| The customer was never told | [Billing & Invoicing](https://www.orchestrapay.com/products/billing.md) | Invoices and a billing portal let customers update their card. |

## How it works

1. **Before the renewal:** saved cards are refreshed with the card networks and
   charged with their network token.
2. **During the renewal:** a soft decline or outage cascades to the next
   processor in the same attempt.
3. **After a failure:** closed cards are flagged and the customer gets an
   invoice and a billing portal link.

## FAQ

**Do I need to move my subscriptions to Orchestrapay Billing?** No. The updater,
network tokens and routing work on any saved card in your vault.

**Which declines are retried?** Your routing rules decide; hard declines such as
a closed account can be stopped instead of retried.

## Related

- [Reduce declines](https://www.orchestrapay.com/solutions/reduce-declines.md)
- [Talk to sales](https://www.orchestrapay.com/contact)