Redux Payments

Stop losing money to credit card failures. Redux helps subscription brands recover 5–8% more ARR by optimizing failed payment recovery. No migrations. No engineering. Up to your current recovery rate is free.

Co-Founder & CEO

PEF Community

Member

Workspace6

Workspace6 is a private vetted community for 7-9 figure eCommerce operators. Over 1000+ members doing a combined $13bn in annual revenue.

Co-Founder

STNGR Industries 

Co-Founder (Acquired)

PostPurchaseSurvey.com

PostPurchaseSurvey.com allows you to make more money and build a stronger relationship with your customers by allowing you to collect zero party data directly from your customers. Navigate the iOS14 changes by letting your customers tell you where they heard about you to better calculate ROAS and spend more profitably in the future.

Founder (Acquired)

Exited my eCommerce brand | Co-Founder at Workspace6.io & MediaSpace | Helping B2B startups understand brand psychology to boost sales

I started a direct-to-consumer brand with $188 at 17. Grew it to 8-figures in sales and sold for 7-figures. 

Then I co-founded a 1,000 member private community for 7-9 figure operators. Combined member revenue is over $13bn. 

Now I run Redux Payments, where we use AI to recover failed payments and fix involuntary churn for subscription businesses.

This is the problem I’m obsessed with solving. I write about what I find, what works, and what doesn’t. I’m always down to nerd out if you want to jam!

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Now building:

Redux Payments (reduxpayments.com) - Stop losing revenue to failed payments. We slash involuntary churn and grow ARR by 8%+ for subscription businesses by using AI to recover failed payments.

Workspace6.io - The fastest growing private eCommerce community for 7-9 figure operators. 950+ members doing $13bn GMV.

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You can reach me via email: philip (at) reduxpayments.com

Philip Pages - workspace6

Netflix, Amazon Prime, Disney+ killed this one thing when they realized it spiked churn. 

And if you’re doing it, stop. It’s literally one setting

The thing?

STOPPED sending “payment successful” receipts every time a subscription renewed.

When they realized that their “Your payment of $12.99 to Company X was successful” message was actually creating 2-5% MORE monthly churn

They stopped immediately. 

Why?

Every receipt is a reminder of cost.
A friction point.
A split-second moment where your customer can think,

“Do I still use this?”

Receipts turn an automatic renewal into a conscious decision.
And conscious decisions are where voluntary churn lives.

If you’re not required to send receipts, please don’t

You can fix it in 10 seconds. 

In Stripe: Settings → Business → Customer emails → Successful payments → OFF

Leave “Failed payments” ON. Those recover revenue.

If you really do need receipts (VAT, accounting, regional regs), check what’s required.

You might not need to blast them out every month.
Batch them or host them in-app.

TLDR
Receipts = voluntary churn.

Netflix doesn’t send them. 
Neither should you.

One click.
Less churn.
More revenue.

Big win all around.

Philip Pages

CEO @ Redux Payments | Stop losing money to credit card failures | Exited Founder

Companies retaining 98%+ subscribers NEVER lock cancellations behind a call wall because they understand one key thing:

Pissing off customers is bad for business.

Call to cancel is the dumbest thing you can do as a SaaS operator because

a) it’s shortsighted
b) creates an extremely negative customer experience 

Both of which kill subscription growth

I get the intent: cut initial churn, maybe throw in a “special offer” on the way out.

But when you wall off cancellations, three things happen fast:
 ❌ Customers feel trapped → anger spikes → discount ignored
 ❌ Forced churn → zero chance of reactivations → LTV tanks
 ❌ Bad exit experience → no referrals → entire loop lost
 (And yes, chargebacks rise when frustration peaks.)

You didn’t just lose the customer.
You’ve burned the entire bridge back to them. 

Creating friction just delays the inevitable AND kills any chance of winback. 

The truth: Not all cancellations are permanent.
About ⅓ are just pauses: tight budgets, burnout, busy seasons.

But if your brand leaves a good taste, the return path still exists. 

Fix this:
Make it easy to cancel. 
Offer discounts only after you’ve left the cancellation option wide open.
You’ll retain more customers this way. 

Then run a winback campaign.
The data shows: Positive offboarding + structured win-backs consistently recover 20-40% of churned users.

TLDR:

A customer who left happy is the easiest one to sell again.

Make cancellations easy. 
Cheaper win-backs. Higher lifetime value. Stronger growth loop intact.


What’s your take? How do you balance protecting revenue with letting customers walk?

He grew Codeacademy from $10M to $50M ARR and a $525M exit. But what he revealed permanently rewired how I think about growth. 

Here’s what their Head of Growth, Dan Layfield, shared:

Let’s say a new product update dropped a company’s churn from 25% to 10%. 

“Cool, 15 point drop in churn, we can expect modest improvements across all metrics like MRR, retention, LTV etc.”

WRONG

The impact is anything but modest. 

Here’s what actually happens:

Life Time Value (LTV) = Monthly Price ÷ Monthly Churn Rate (%)

Drop churn from 25% to 10% (at $20/month) and watch what happens:

$20 ÷ 25% = $80 LTV
$20 ÷ 10% = $200 LTV

$80 → $200 LTV = A whopping 250% jump in LTV

250%!!

Each churn point you shave off literally exponentially compounds your LTV. 

AND the lower your churn gets, the more every point is worth:
At 10% churn, a one-point drop adds ~11% to LTV.
5% → 4%, it’s a 25% LTV boost. 

For companies at scale, that’s where the hidden leverage lives: small optimizations, massive reach. 

This is why I won’t shut up about fixing churn.

Especially the kind your customers *didn’t* choose = involuntary churn.

Where they were happy users, but their card expired, or the bank unexpectedly flagged it as fraud. So their payment never went through, and their retry system failed to get them back. 

And now…they’re gone. Customers you already paid to acquire, who had literal months left of LTV, accidentally gone. 

And it didn’t have to be that way. 

Think about how simply tightening your payment failure recovery system to lower involuntary churn by 1–2% could literally *exponentially* boost your LTV…

Just food for thought

I'm really excited to share the new Revenue Recovery calculator our team just shipped! 

You can now easily plug in your numbers and get an estimate on:

- MRR at risk
- How much more $$$ you can recover 
- Churn reduction
- ARR boost 

Would love to get your thoughts 🙏 (link in comments)

An $18M ARR SaaS silently churned $340k/yr from one hidden thing. But shockingly, that wasn’t even their biggest problem. 

The real loss was the $1.7M leak in LTV - Growth already paid for, but never got to realize.

Here’s what I see Growth teams miss:

7-15% of ALL subscription transactions fail on the first attempt.
Not cancellations.
Not churn by choice.
But mechanical failure: expired cards, insufficient funds, bank quirks.

And because Stripe’s default recovery only fixes 3 out of 10 of those failures, that tiny crack becomes a structural leak in your retention engine.

A $340k yearly leak for that $18M ARR SaaS. 

But the damage was much worse…  

This company was losing subscribers with 5+ months left in their lifetime.

Meaning they didn’t just lose this month’s MRR. But *all* future months they projected when they paid to acquire those customers. 

$1.7M in LTV evaporating every year.

So while it shows up as a blind spot, because payments feel like an infrastructure problem, not a growth lever, the math proves otherwise.

It’s actually one of the highest-leverage, lowest-lift fixes available to Growth teams.

A tool like Redux Payments plugs into Stripe and runs a fully optimized recovery system for you – no rebuild, no engineering cycles, no workflow changes. All automatically, all in the background. 

Just more LTV you already paid for, back in your pocket, ready to reinvest in new growth channels. 

Payments will continue to fail. 

Whether that lost revenue compounds against you or for you is the part you get to choose.

J&M Global Solutions LLC

• Facilitate program-level support including planning, performance management, and reporting for federal clients at J&M Global Solutions LLC.
• Offer tailored program management support with a focus on planning and performance to mitigate risks to costs, schedules, and deliverables.
• Engage with federal clients to navigate programmatic changes, ensuring collaboration, integration, and communication across regions.

Senior Regional Program Coordinator

 Ambipar Response | United States

Project Management Leadership: Led the development of project management processes, including descriptions, templates, tools, and training materials, resulting in streamlined operations and improved outcomes.

Expert Support: Provided expert advice, mentoring, coaching, and hands-on support to project teams, reducing risks and enhancing project success rates.

Client Collaboration: Worked closely with client-facing project managers to ensure project goals were met, fostering strong client relationships and satisfaction.

Best Practices Implementation: Implemented tailored project management best practices, tools, and templates, ensuring consistency and high standards across all projects.

Team Leadership: Created a collaborative and supportive work environment that encouraged high performance and team cohesion.

Risk and Financial Management: Managed project risks and finances, ensuring profitability and adherence to budgetary constraints. Maintained detailed risk registers and supported accurate cost estimation and project forecasting.

Timely Reporting: Ensured timely and accurate reporting of project status, costs, schedules, and accomplishments to internal stakeholders and clients.

Stakeholder Relationship Management: Established strong relationships with Sector Leads, understanding and delivering on their project success criteria.

Meeting Coordination: Coordinated meetings and ensured alignment with Sector Lead objectives, facilitating clear communication and goal alignment.

Program Evaluation: Gathered and analyzed data to assess the effectiveness of programs and operations.

Policy Recommendations: Provided advice for policy enhancements and operational improvements.

Information Analysis: Defined management information requirements to support program and administrative reporting systems.

Data Analysis: Conducted quantitative and qualitative analyses to guide organizational decisions.

Commercial Manager

Primary Point of Contact: Served as the main liaison for Client-Facing Project Managers, ensuring smooth project operations and client satisfaction through effective communication and issue resolution.

Accountability and Oversight: Drove accountability among technical Project Managers, overseeing all project aspects including client expectations, scope, schedule, cost, quality, resourcing, risks, and stakeholder compliance.

Implementation of Project Controls: Ensured consistent implementation of effective project controls and adherence to internal administrative processes, collaborating with Witt O'Brien's PMO and Corporate Partners.

Stakeholder Engagement: Fostered strong relationships with stakeholders, ensuring their needs and expectations were met through proactive communication and alignment of project objectives. Acted as a trusted advisor to internal teams.

Risk Management: Proactively identified, assessed, and managed project risks, implementing mitigation strategies to minimize impact and ensure project continuity. Maintained detailed risk registers to track potential issues.

Performance Metrics and Reporting: Developed and monitored performance metrics to track project progress and success. Provided detailed and accurate reports to stakeholders, highlighting key achievements, challenges, and next steps.

Training and Development: Led training sessions and workshops for project teams, enhancing their skills and knowledge in project management best practices. Fostered a culture of continuous learning and improvement.

Strategic Planning and Execution: Contributed to strategic planning efforts, aligning project goals with organizational objectives. Executed strategic initiatives to drive growth and innovation within the company.

Deployed to and supported deployment to DR-4673-FL, Hurricane Ian.

Business Project Manager, Emergency Management and Infrastructure Services

FEMA

Recognized by peers as an asset to FEMA.

Leadership in Process Improvement: Led the revision of Joint Field Office (JFO)-Analyst Standard Operating Procedures (SOPs), documenting processes for the Analysis and Evaluation Section and Leadership through the Life of a Disaster. Devised and implemented new formatting for A&E SOPs, enhancing readability and usability for end-users. Executed major revisions of other SOPs, including an S.5 SOP, ensuring clarity and effectiveness. Documented previously undocumented procedures in new SOPs to ensure operational continuity.

Training and Development: Developed and implemented new training programs for PDMGs, PDTFLs, and JFO leadership, clarifying roles in Spend Plan Development, using Grants Manager, and projecting project costs and obligation timeframes.

Contributions to FEMA Headquarters: Contributed to FEMA Headquarters Information Collection forms, including the Management Cost project application, improving ease-of-use for Applicants and Recipients when documenting disaster costs. Received the “Process Improvement MVP Award” for this work. Supported section and senior leadership on various tasks, including obligating FEMA projects and projecting obligation dates for FEMA’s spend plan. Reviewed, assessed, and disseminated information from diverse systems to support decision-making processes.

Program Evaluation: Gathered and analyzed data to assess the effectiveness of programs and operations.

Policy Recommendations: Provided advice for policy enhancements and operational improvements.

Information Analysis: Defined management information requirements to support program and administrative reporting systems.

Data Analysis: Conducted quantitative and qualitative analyses to guide organizational decisions.

Emergency Management Specialist, Program Analyst

Project Preparation and Documentation: Prepared Damage Description and Dimensions, Scopes of Work, and Cost estimates for completed projects.

Cost Analysis and Review: Reviewed and analyzed costs incurred, work done, facility impacts, and applicant policies.

Information Gathering: Requested information from the Applicant to support their damage claims.

Project Validation: Validated projects for accuracy and compliance with applicable standards.

Emergency Management Specialist: Construction Analyst -- Cost Estimator

Project Documentation: Prepared Damage Description and Dimensions, Scopes of Work, and Cost estimates for completed projects.

Cost Analysis: Reviewed and analyzed costs incurred, work done, facility impacts, and applicant policies.

Information Gathering: Requested information from the Applicant to support their damage claims.

Project Validation: Validated projects for accuracy and compliance with applicable standards.

Emergency Management Specialist, Cost Specialist

Independent Consultant

Strategic Planning and Policy Consultant: Worked as a Strategic Planning and Policy Consultant with experience in developing and implementing strategies to help organizations achieve their goals and objectives.

Strategic Plan Development: Developed and implemented strategic plans to help organizations achieve their goals and objectives.

Analysis and Research: Conducted analysis and research to identify opportunities and risks for clients.

Policy Advisory: Advised clients on policy issues and recommended strategies to address them.

Collaboration and Execution: Collaborated with clients to develop and execute action plans.

Monitoring and Evaluation: Monitored and evaluated progress and made adjustments as needed.

Strategic Planning and Policy Consultant

Inspire Enterprises, LLC

President

Health Education Inc.

Project and Program Management: Managed diverse projects and programs, driving performance and employee engagement. Led mission-driven workloads, prioritizing tasks and directing staff. Coordinated with stakeholders to plan and implement processes and achieve strategic objectives.

Stakeholder Engagement: Led teams in eliciting and documenting requirements. Communicated technical and non-technical information to stakeholders at all levels, including local, state and federal elected officials and volunteers. Facilitated collaborative work and task prioritization. Facilitated the creation of strategic plans.

Policy and Guidance Development: Wrote, edited, and analyzed policy, process, and guidance documents. Led efforts to streamline operations and enhance efficiency.
Investigated and interpreted laws, regulations, guidelines, and established procedures to deliver informed findings.

Grant Management and Review: Over 30 years of successful grant writing, securing funds from government agencies, non-profits, and individual donors. Managed receipt and administration of grants, overseeing sub-grants and contractors. Reviewed grant applications from private companies and non-profits, ensuring compliance and effective fund utilization.

Training and Technical Assistance: Provided training and technical assistance, supporting advocacy efforts and enhancing capabilities. Interpreted research to guide action plans, collaborating with local government to develop response strategies.

Collaboration and Partnerships: Worked with federal, state, and local government representatives and non-governmental organizations to strategize community response plans. Managed competing priorities, demonstrating adaptability to changing requirements.

Executive Director, Public Health Programs and Advocacy

Applicant Interaction: Met with Applicants to gather information on policies, facility damages, work completed and pending, and costs to support FEMA's Eligibility Pyramid. Communicated with stakeholders and explained FEMA emergency response and policy requirements.

Cost and Damage Analysis: Documented and analyzed incurred costs, work done, facility impacts, and applicant policies. Reviewed cost estimates to ensure accuracy and compliance with standards.

Information Gathering: Requested information from Applicants to support damage claims. Identified and secured missing information.

Project Formulation: Formulated projects by grouping work logically. Ensured all eligible damages identified by Applicants were addressed.

Documentation and Coordination: Drafted Damage Inventories and requested Site Inspection Work Orders via the Grants Manager Tool. Coordinated project development with the Consolidated Resource Center and answered RFIs. Worked with Hazard Mitigation and Environmental and Historical Preservation teams as needed. Coordinated with inspection and mitigation teams for smooth project integration.

Quality Assurance: Reviewed documentation, identified and resolved issues before submission to FEMA's Consolidated Resource Center. Ensured cost estimates were reasonable, accurate, and compliant.

Stakeholder Engagement: Built rapport with Applicants, colleagues, and leadership. Managed applicant transitions through PDMG changes. Identified issues in Grant Applications for FEMA Leadership or legal review.

Mentorship and Team Coordination: Mentored teammates and coordinated teamwork.

Emergency Management Specialist Public Assistance Program Delivery Manager

Koar

Strategic Partnership Development: Spearheaded the development of strategic partnerships to support multiple sales channels, contributing to the growth of the customer base and revenue of the eCommerce platform.

Vendor Negotiation and Product Development: Negotiated product quantities and prices with vendors in China, effectively reducing costs and enhancing product competitiveness. Played a pivotal role in creating new consumer technology products, contributing to packaging, marketing, and feature development.

Operational Optimization: Led efforts to optimize operational efficiency by organizing product fulfillment, transitioning from self-fulfillment to third-party logistics partners, resulting in cost reductions and improved service delivery.

Day-to-Day Operations Management: Managed day-to-day operations at Koar, ensuring operational continuity and upholding core values and operational standards during a transition of ownership.

Leadership and Training: Played a critical role in integrating new leadership teams, providing comprehensive training on operations, customer service excellence, and product knowledge, ensuring a seamless transition and adherence to company standards.

Product Innovation: Contributed significantly to new product development, offering insights that bridged customer needs with innovative product design. Notably involved in the development of a new Bluetooth speaker, showcasing adaptability, leadership, and deep sector understanding.

Business Partner

University of Nebraska-Lincoln

Developed curriculum for engineering and agriculture tech students, guiding them to master clear, accurate technical writing.

Taught students to create effective user guides and manuals, enhancing their ability to support user understanding and product success.

Guided students in compiling clear, precise management reports to improve communication and decision-making.

Trained students to simplify complex technical information, ensuring it is accessible and actionable for diverse audiences.

Instructed students on delivering precise, concise descriptions to boost comprehension and technical proficiency.

Ensured students completed assignments with strict adherence to standards of clarity, conciseness, and terminology, fostering high-quality, professional communication skills.

Instructor of Technical Writing

Beatrice Daily Sun

Relationship Building: Built relationships with key sources to facilitate the production of quality, factual news stories.

Interviewing and Reporting: Interviewed key government and community leaders, capturing and communicating important policy and event news for the reading audience.

Research and Coverage: Covered the County Clerk's Office, utilizing County records and township maps for research. Reported on the County Highway Department, including coverage of the highway budget, bridges, and culverts.

Story Drafting: Drafted accurate, engaging, and fact-checked stories to ensure the dissemination of reliable information.

News Reporter, County Offices including Courts, Sheriff's and Transfers and Agriculture

Leading with a strategic mindset and a hands-on approach, my role as Senior Regional Program Coordinator at J&M Global Solutions LLC focuses on advancing program performance and client satisfaction. Collaborating with federal clients, we navigate programmatic changes with finesse, to ensure ethical and effective program outcomes.

Previously as a Commercial Manager at Ambipar Response, my efforts were dedicated to refining project management processes and fostering strong client relationships. Our team's commitment to best practices and continuous improvement translated into enhanced project success rates, all while championing community engagement and fostering sustainable business growth.

taplio

The Battle

Philip Pages - workspace6

Cindy Jeffrey, MA, PMP

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The Battle

Philip Pages - workspace6

Cindy Jeffrey, MA, PMP

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