Issuing · QSub

Recurring revenue
that actually recurs.

Recurring billing with smart retries plus QFlex issuer instalments — recover failed renewals and split big-ticket payments. QSub runs the billing engine — plans, proration, dunning and decline-aware retries — while QFlex lets issuers offer instalments on big-ticket purchases. Two ways to keep revenue flowing.

Create account Talk to sales
70%
Failed renewals recovered
4+
Billing cycle types
Day 1
Measurable recovery
99.99%
Engine uptime
Involuntary churn

Most cancelled subscribers never chose to leave.

Expired cards, empty accounts and one-off declines quietly end subscriptions the customer still wants. Smart retries, token-lifecycle updates and grace periods recover most of that revenue automatically — with no customer effort.

  • Decline-aware retriesRenewals retry on schedules tuned to the issuer decline code and payday windows — not a naive fixed interval.
  • Token lifecycle updatesReissued and replaced cards refresh via QVault so billing never breaks mid-cycle.
  • Automated dunningPayment-update emails and configurable grace windows keep customers subscribed and queues quiet.
Renewal attemptDeclined — insufficient funds
Smart retryDay 3 · post-payday window
TokenAuto-refreshed via QVault
OutcomeRecovered
Customer effortNone
SubscriptionUninterrupted
Capabilities

Billing and instalments in one engine.

A complete recurring-revenue surface — flexible plans, decline-aware recovery, automated dunning and issuer instalments — modelled once and billed correctly forever.

Flexible plans

Weekly, monthly, annual and custom cycles; trials, setup fees, upgrades and mid-cycle proration — modelled once, billed correctly forever.

Smart retries

Failed renewals retry on decline-code-aware schedules timed to paydays and issuer behaviour — recovering revenue you would otherwise write off.

Dunning & grace periods

Automated payment-update emails, configurable grace windows and clear subscription states keep customers subscribed and support queues quiet.

QFlex issuer instalments

Let cardholders split large purchases into fixed instalments at checkout or post-purchase, with issuer-controlled eligibility, tenor and pricing.

Tokenized mandates

Recurring charges run on QVault network tokens, so reissued or replaced cards keep billing without the customer lifting a finger.

Revenue analytics

MRR, churn, recovery rate and cohort retention out of the box — with every figure traceable to the underlying charges in the ledger.

QFlex · Issuer instalments

Turn one big-ticket purchase into fixed instalments.

Give cardholders a pay-over-time option at checkout or after the sale — with the issuer in full control of eligibility, tenor and pricing, all settled through the same rails as the rest of QoinPay.

  • Issuer-controlled eligibilityYou set the rules for who qualifies, for how much, and over which tenors.
  • Checkout or post-purchaseOffer instalments inline at the point of sale, or convert an eligible charge afterwards.
  • Fixed, transparent pricingInstalment plans priced by the issuer, with schedules the cardholder can see up front.
How it works

Set the plan. QSub does the rest.

Attach a customer to a plan once — QSub handles every cycle, every retry and every state change from there.

Subscribe the customer

Attach a customer and a vaulted payment token to a plan — via API, payment link or the dashboard.

Billing runs on schedule

QSub raises each cycle's charge through QGate and QRoute, applying proration and tax rules automatically.

Failures get recovered

Declines enter the retry and dunning pipeline; signed webhooks keep your app in sync with every state change.

Create a subscription
POST /api/v1/qsub/subscriptions Authorization: Bearer sk_live_… { "customer": "cus_9Fa2", "plan": "plan_pro_monthly", "payment_token": "tok_qvault_5Kx", "trial_days": 14 } → 201 Created { "id": "sub_7Qm4", "status": "trialing", "next_charge_at": "2026-09-01" }

Every subscription state change is delivered to your app as a signed webhook event.

70%
Failed renewals recovered
4+
Billing cycle types
Day 1
Measurable recovery
99.99%
Billing engine uptime
Under the hood

Everything the billing engine handles for you.

✓Proration & upgradesMid-cycle plan changes billed to the day, with credits and charges reconciled automatically.
✓Trials & setup feesFree trials, paid trials and one-off setup charges configured per plan.
✓Decline-aware retriesRetry schedules tuned to the issuer decline code and payday windows.
✓Network token updatesReissued and replaced cards refreshed via QVault so billing never breaks.
✓Configurable grace windowsKeep customers active through a defined grace period while recovery runs.
✓Signed webhooksEvery subscription state change delivered as a verifiable event to your app.
✓Issuer instalmentsQFlex splits eligible purchases into fixed tenors with issuer-set pricing.
✓Ledger-traceable metricsMRR, churn and recovery rate reconcile to the underlying charges.
Works with

Stronger together with the rest of the suite.

Tokenization

QVault

Issuer & acquirer token hubs

Network tokenization with push provisioning and a hardened vault — one hub for issuers, one for acquirers and merchants.

Explore QVault Acquiring

QGate

Global payment gateway

One integration to accept cards, bank transfers, virtual accounts, USSD, QR, mobile money, UPI, Pix and more — with a hosted checkout that adapts to the payer's country automatically.

Explore QGate Issuing

QCard

Prepaid card platform

Full lifecycle management for virtual and physical prepaid programs: issue, load, control, monitor and settle.

Explore QCard
Grow retention

Stop losing subscribers you never lost.

Bring your plans to QSub and watch involuntary churn become recovered revenue — measurable from the first billing cycle.

Create account Read the docs