Compare your transaction success rates to recent industry research

But credit card usage varies based on audience

Subscription businesses in the B2B space see more purchases via credit cards. But for B2C businesses, the split is much more even, with only a slight skew towards credit cards.

There is no seasonality to card usage trends

Consumers and businesses tend to choose one payment type and stick to it. There’s no evidence that buyers are moving from one payment method to another.

The majority of transactions are successful—but debit cards decline at a higher rate

Decline rates over time tend to be fairly stable, hovering within a 3% window for both credit and debit cards.

Debit and credit cards decline for different reasons

But no matter the reason, significant revenue can still be recovered

Recurly 'recovers' revenue from failed transactions through our proprietary retry logic and Account Updater tools, letting us regain significant revenue for our customers which would otherwise have been lost to unsuccessful renewal payments.