Pagos reposted this
We pulled some benchmarking stats for digital subscription businesses and something caught our eye: among a cohort of Pagos enterprise merchants, we see a growing gap in insufficient funds (NSF) decline rates between debit and credit cards for recurring payments in Q2 2025 compared to Q1. Specifically, debit cards saw a steeper rise in NSF declines, while credit card decline rates stayed relatively flat. On average, the gap between debit and credit grew by 27% quarter-over-quarter. So what does this mean for you? When designing or assessing your retry strategy, you might want to treat credit and debit cards a little differently. If NSF declines on debit cards are accelerating faster than that of credit cards, a one-size-fits-all retry approach might be leaving money on the table. This could be an opportunity to experiment with retry timing or messaging for debit vs. credit. Good thing is, you can use Pagos to discover these opportunities and track the impact of any experimental changes in real time! #payments #data #insight Note: This data only includes deduplicated, recurring transactions made in USD and processed with credit or debit cards issued by US banks.
