Six problems of the subscription industry. Six models.

Problem

CC-submit companies hit scheme limits and card decline rates. Carrier billing opens new markets — but integration is slow and fragmented.

Catalytics

One integration layer for direct carrier billing. Operator onboarding, compliance-ready flows, performance benchmarks per market.

Outcome

4× larger market. DCB reaches ~80% of mobile users vs ~20% card penetration. 5× conversion: ~25% on DCB vs ~5% on CC-submit.

Problem

Fraud is shifting to identity, devices and synthetic users. Legacy rules catch it too late — after the dispute.

Catalytics

Real-time fraud score on every click. Historical data, user, credit card and traffic metrics. Anomaly detection and behavioral momentum signals.

Outcome

30–50% fewer disputes. Fraud stopped at the click — not at the chargeback 30 days later.

Problem

Cheap traffic hides weak signals, future disputes and unstable funnels. Volume is not value.

Catalytics

Predicted LTV per country and traffic source, from historical performance. Automated bidding calibrated to predicted value.

Outcome

20–40% lower CAC at the same volume. Budget moves from bottom-decile sources to top performers — automatically.

Problem

Churn is discovered after the cancellation. Involuntary churn — failed rebills — goes unnoticed until revenue is gone.

Catalytics

Survival and fatigue models score every subscriber. Risk flags before cancel, before failed rebill.

Outcome

60–80% of cancels flagged in advance. 15–30% of failed rebills recovered. On €1M ARR, that's six figures saved.

Problem

Visa & Mastercard are tightening the rules. Disputes mean fines, monitoring programs, lost processing.

Catalytics

Chargeback and scheme-risk scoring per transaction and per user. Risk segmented by source, market and flow.

Outcome

Dispute ratio held under the 0.9% scheme threshold. No monitoring programs, no fines — compliance becomes a selling point to operators.

Problem

Chrome changes break payment journeys silently. Flows fail per device, per browser, per market — and nobody notices.

Catalytics

A journey health score per flow. Drop-off measured step by step, device by device. Breaks flagged as they appear.

Outcome

Breaks fixed in hours, not weeks. A 5% funnel break on €1M/month is €50k/month — recovered, not lost.