Live Tool · Payments Analytics

Billthrough Simulator

Model the net revenue impact of billthrough improvements — including the retry fees that most teams forget to subtract. Adjust inputs to see gross recovery, total retry cost, and true net gain. Built from the analytical framework underlying the Global Billthrough Program at Boku.

Configuration
Merchant Tier
Market Region
Payment Method

Monthly Active Subscribers500K
Billable subscriber base per month
Avg Monthly Price (USD)$9.99

Current Billthrough Rate76%
Actual collection rate after all retry attempts
Target Billthrough Rate82%
Retry Recovery Rate35%
Share of declined transactions recovered via retry

Retry Fee Configuration
PSP Transaction Fee2.9%
% of transaction value charged per attempt (success or fail varies by PSP)
Per-Attempt Fixed Fee (¢)30¢
Fixed cents per retry attempt (Visa/MC authorization fee)
Avg Retries per Declined Sub2.4
Average retry attempts before success or abandonment (Visa cap: 15/30d, MC: 35/30d)
Failed Retry ChargeNo
Whether your PSP charges for failed authorization attempts
Billthrough Lift
Gross Monthly Gain
Total Retry Cost / Mo
Subscribers Recovered
Per month at target rate
Net Revenue Gain (after retry fees)
Retry Fee Breakdown
Cost per Recovered Sub
Avg across all retries
Failed Retry Waste
Fees paid on unrecovered attempts
Fee as % of Recovery
Retry cost / gross gain
Revenue Waterfall — Current vs Target (Net of Fees)
Market Benchmark —
Decline Category Share Retryable Rev at Risk / Mo Est. Retry Cost / Mo Recommended Action Priority
Analytical Insight