Payment Processing That Scales With Your MRR.

"Interchange-plus on subscription charges was something we didn't know was available as an option. Chad walked us through how it applies to card-not-present recurring transactions. We had been leaving money on the table for two years without realizing it."

"Smart dunning recovered $14k in Q1 alone. Involuntary churn rate dropped from 6.8% to under 4%. I can trace those numbers directly to the switch and they've held across multiple quarters. That's the kind of ROI that justifies the decision clearly."

"Moved from Stripe to Hip Digital. Lower effective rate, revenue share on top of that, and equivalent or better reliability. The Stripe brand is strong but it was not saving us money and the difference at our volume was meaningful."

"Revenue share was an afterthought when we signed up. We were just looking for lower processing rates. The monthly return has become a real line item now. Not retirement money, but it's not nothing either."

"We process in USD and CAD. Multi-currency was a hard requirement and most processors either don't support it cleanly or charge FX markup that negates the savings. Justin verified the setup end to end before we went live and both currencies have worked correctly from day one."

"Tokenized card storage means renewals just go through. No failed renewals from cards not being updated, no expired card churn. With our previous processor that was a consistent involuntary churn driver that we had accepted as unavoidable. It isn't."

"3D Secure cut our card-not-present decline rate meaningfully in Q1. It's a trackable, attributable improvement that we can point to directly. That kind of measurable outcome is what you want from a payments infrastructure change."

"Prorated billing on plan changes used to require manual calculation every time. Someone on my ops team spent real hours on it monthly. It's automated now. Not glamorous, but the time savings compound and the error rate dropped to zero."

"Revenue share scales with our volume. As we grow, the monthly return grows. It functions as a discount that gets better over time. Tamim explained the structure clearly on our first call and the numbers have tracked exactly as described."

"Enterprise clients, annual billing, large invoices. Some pay by card, some by ACH, some by wire. Hip Digital handles all three under one account without us needing separate processors for different payment types. That matters at our scale."

"API documentation is clean and the integration was straightforward. We connected to our internal billing system in under two days without needing to open a support ticket. That's the baseline requirement for an API-first payments product and they cleared it."

"Dunning is fully automated now. We had a part-time contractor managing failed payment follow-ups before. That cost is eliminated and the recovery rate actually improved because the retry logic is more systematic than manual outreach ever was."

"Went from 2.9% on subscription charges to under 2.1% interchange-plus. At $150k MRR that difference compounds quickly over a year. The math was not complicated once someone laid it out. The question was why we hadn't done this sooner."

"Failed payment recovery recovered 18% of churned MRR in the first 60 days. That single feature paid for the switch many times over. Everything else we've gotten since has been additional upside we didn't account for when we made the decision."