A $375B recurring payment failure problem. Everyday spend retailers(transmitters) see the same customers 3–4 times a month. SIGNAL Alliance connects them with recurring and subscription billers (receivers) to help them reduce fraud and recover false decline revenue. Everyone benefits: transmitters earn revenue, receivers retain good customers, and customers get seamless payment experiences.
Monetize the transaction data you're already collecting—and help solve the $375B recurring payment failure crisis with no operational changes.
Transmitter Benefits →Reduce false declines and other involuntary churn and keep the customers who are genuinely good for the charge.
Receiver Benefits →Privacy by design, not by policy—no PII ever enters the network. Transparent rules, equitable access, and administration that serves the alliance, not a single stakeholder.
Our Principles →The signal was always there—hidden inside everyday retail transactions. SIGNAL Alliance reads it, scores it, and puts it to work before a recurring payment fails.
Everyday spend merchants—grocery, fuel, convenience—transmit cryptographically anonymized payment transactions into the SIGNAL Alliance network. Zero disruption to existing operations.
SIGNAL Alliance transforms transactions into customer payment scores—real-time behavioral intelligence independent of credit bureaus, banks, or card issuers.
Subscription and billing businesses receive matching signals to make smarter payment decisions—reducing false declines, recovering revenue, and retaining customers.
Grocery, fuel, convenience—everyday spend retailers already see their customers 3–4 times a month. That frequency is a signal. SIGNAL Alliance pays you to share it (anonymously) and puts your earnings on autopilot. Your operations don't change. Your revenue does.
10–17% of recurring payments fail—most of them to customers who are perfectly capable of paying. SIGNAL gives you data that banks and bureaus won't share: real spending behavior, confirmed at the point of purchase. Approve with confidence. Decline with reason. Retain good customers.
SIGNAL Alliance never sees, stores, or transmits personally identifiable information. One-way cryptographic hashing means data flows as mathematical signals—not customer records. Built for enterprise-grade security and full regulatory compliance from day one.
Retailers: start earning from data you already have. Billers: start retaining customers you’re currently losing. The $375B payment failure problem has a fix—and it starts here.
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