Most subscription businesses inherited their billing setup instead of choosing it deliberately. This final post in our five-part series compares standard PSPs, subscription platforms, and Merchant of Record models for recurring billing infrastructure.

The FTC Click-to-Cancel rule was vacated in 2025, but ROSCA, the underlying law it was built on, was never touched. Recent enforcement against Uber, Amazon, JustAnswer, and a $60 million Instacart settlement prove obligations remain fully enforceable.

SMS gets a 98 percent open rate versus 20 to 40 percent for email, but timing matters more than the channel alone. Here is what actually separates a dunning sequence that recovers revenue from one that pushes customers to cancel.

The single highest-ROI fix for subscription churn is a background service most merchants have never checked is turned on. Account updater services reduce expiry-related involuntary churn by 40 to 60 percent, with zero customer-facing change.

Some cancellations were never cancellations at all. Involuntary churn accounts for 20 to 40 percent of total subscription churn, an estimated $129 billion in lost revenue in 2025 alone, and most of it was recoverable.