# Foralte > When a subscription is due, your business receives payment even if the customer pays later. Foralte takes over the payment and follows up until the customer pays. Smart recovery for recurring payments. Built for subscriptions, memberships, plans, recurring billing. - Pix Automático, card and boleto - You receive on the due date, before the customer pays - Zero cost for your customer - English: https://www.foralte.com/en - Português (Brasil): https://www.foralte.com/pt-BR ## How it works Three steps. Zero changes to your operation. Your customer gets time and you receive on the due date. 01. **The customer needs more time.** A recurring payment fails: card declined, insufficient funds, expired invoice. Instead of cancelling, the customer gets up to 15 extra days to pay. 02. **On the due date, you get paid. Foralte takes over the payment.** Even if the customer has not paid yet, your business receives on the due date. From that point on, the payment is ours: we choose the best strategy for them to pay later. 03. **Your revenue is protected and the relationship goes on.** No delay turns into churn. The customer stays on the plan, your team stops chasing payments and cash flow stays predictable from the due date. ## The intelligence behind it Foralte understands each customer's payment behaviour and, with help from AI, picks the best strategy to recover the payment, without turning a delay into lost revenue. - **Behaviour:** Payment history, preferred days, the channel they respond to and intent signals. Every customer gets their own approach, not a generic dunning rule. - **Deep customer analysis:** Risk scored per payment, with optional Open Finance data when it improves the decision. Extra time proportional to the likelihood of paying. - **AI in service of recovery:** An AI layer supports Foralte's team and rules: it looks at every failed payment and helps decide when, how and through which channel to reach the customer. - **Protection for partner and customer:** You receive on the due date, even if the customer pays later. The customer pays no Foralte interest and keeps access to what they signed up for. ## The product - Recovery that handles itself - Dashboard to follow along without spreadsheets - Payouts on the due date, before the customer pays - Webhooks for every status change - Your own payment method no gateway integration needed (Pix Automático, Pix, Credit card, Debit card, Boleto) ## Why Foralte? The difference between simply retrying a payment and understanding how to recover it. **Without Foralte — A failure becomes a loss** - Same retry for everyone - Manual, fragmented collections - Churn without a cancellation request - The company waits for the customer to pay - The customer relationship erodes **With Foralte — A failure becomes revenue** - Best strategy for each customer - More time for those who need it - You receive on the due date - Recovery in a single flow - Relationship preserved ## Built for businesses that bill every month Gyms, schools, SaaS, clubs, clinics or any other subscription business: if you bill on a recurring basis, Foralte was designed for you. You keep selling; the payment that fails becomes our problem. - **Gyms:** A declined card on the 5th doesn't become a lost member on the 6th. - **Yoga and pilates studios:** Full class, fees on time, nobody embarrassed. - **Schools and courses:** Tuition recovered without pausing the family's access. - **Language schools:** The student keeps the lesson; the payment becomes our problem. - **Clinics and practices:** Follow-up plans paid even when the patient is late. - **Dentists and orthodontics:** Treatment instalments protected until the last appointment. - **Barbershops and salons:** Membership without chasing whoever forgot to pay. - **Aesthetic clinics:** Monthly package guaranteed, session after session. - **Pet shops and vets:** Recurring grooming plans without nagging the owner. - **Laundromats:** A laundry subscription that doesn't stop over one overdue bill. - **Music schools:** This week's lesson goes on; we sort out the payment. - **Dance schools:** Fees on time without pulling anyone from the choreography. - **Clubs and swimming:** A late member is still a member: the payment is ours. - **Coworking spaces:** Desk guaranteed and predictable cash every month. - **SaaS and software:** An expired card doesn't dent MRR or cancel the account. - **Internet providers:** Connection kept, invoice recovered, no collection visit. - **Parking lots:** A late monthly customer keeps the spot. - **Daycares and preschools:** A family setback doesn't become a child out of school. - **Psychologists and therapists:** Recurring sessions paid without the awkward conversation. - **Creators and communities:** Content subscriptions that don't churn over a declined card. - **Sports coaching:** Training plan delivered, fee protected. - **Cafés and subscription boxes:** Monthly box shipped and paid for, even when late. - **Accounting and consulting:** Monthly retainer recovered without wearing out the client. - **Online courses:** Access kept, instalment recovered, student retained. ## When you want to integrate, it's all ready Foralte works on its own as a payment method. If your team would rather connect it to the system you already use, the API and webhooks are there from day one. - One call to create a charge, one to query it - Signed webhooks for every status change - A sandbox with the same events as production ## FAQ ### Do I need to integrate my gateway or PSP? No. Foralte is your payment method: you charge via Pix Automático, card or boleto through Foralte, and recovery is built in. No third-party gateway integration. ### When does my business receive payment? On the subscription due date. For eligible payments, your revenue is paid out even when the customer uses the extra window and pays later. ### Who pays for Foralte? The company, and only on what is recovered or protected. The end customer pays no Foralte interest or fees for the extra time. ### How long does integration take? One API call to send the failed payment and one webhook to receive its status. Engineering teams usually finish in a few days. ### Does it work with Pix Automático, boleto and cards? Yes. The initial phase covers Pix Automático, boleto, debit and credit, the most common methods for recurring billing in Brazil. ### What if the customer still doesn't pay with more time? For eligible payments, you have already received payment on the due date. Foralte takes on the risk of that payment through regulated partners, according to the operating terms. ### What if it doesn't work for my business? You're not locked into anything: no contract, no fixed fee, no subscription. If Foralte doesn't recover, you don't pay. The risk is ours, not yours. ## Our vision "I've always believed the relationship with a customer is worth more than a sale. Setbacks happen, and that shouldn't put a business at risk. That's why I created Foralte." — Vitor Silva, Founder of Foralte ## Join Foralte's first cohort. We're choosing {slots} companies to start together. Those who join now help shape the product and lock in founder terms. Talk to Foralte: https://www.foralte.com/en#contato ## Legal Foralte is a product of Brixel Sistemas LTDA, registered under CNPJ 68.771.956/0001-20, a recurring billing and payment recovery platform. Foralte is not a financial or payment institution: settlement of Pix, card and boleto payments and custody of funds are carried out by a payment institution authorized by the Central Bank of Brazil, and Open Finance connections are made through an authorized participant. Your customers' data is used only to operate the charges you contracted, processed and stored on servers in Brazil in compliance with the LGPD (Law 13.709/2018). All traffic is encrypted (SSL/TLS).