SIGNAL Alliance was created to solve the $375B recurring payment failure problem. Billers now face a rapidly growing 10–17% payment failure rate because legacy fraud detection systems can't distinguish good recurring bill payments from fraud attempts. The signal was always there. Now we can use it.
Everyday spend retailers—grocery, fuel, convenience—see the same customers 3–4 times per month. They know which customers are good and can pay. Billers don't have that visibility. So when a recurring payment fails, issuers flag it as suspicious and decline it. A good customer gets cut off.
SIGNAL Alliance enables everyday spend retailers to transmit anonymized payment signals so billers can confidently retain good customers even when payments fail in traditional channels. Transmitters earn revenue from their everyday interactions with customers. Receivers reduce friction, recover revenue, and retain good customers. Customers get seamless payment experiences. Everyone benefits.
By enabling everyday spend retailers to share anonymized payment signals, SIGNAL Alliance improves payment success rates for billers, independent of traditional payment networks, credit bureaus, or predictive decision models.
Operators at retail and SaaS companies meet and discover a shared frustration: the recurring payment failure problem is massive and no one is solving it at the merchant level.
Founding merchants agree to pilot a cooperative signal model. First signals exchanged between a convenience retailer and a subscription biller. Early results confirm the hypothesis.
SIGNAL Alliance formally incorporates, establishes its "good hearts" governance framework, and opens membership to US merchants and billers.
Network processes over 2.4 billion signals monthly. Members report measurable reductions in payment failure and involuntary churn.
New signal types and international expansion underway. The platform requires minimal integration: change one API endpoint. That's it.
SIGNAL Alliance orchestrates collaboration between companies serving shared customers. Each offering uses the same foundation—anonymized payment signals from everyday spend—applied to a different problem.
Improves payment outcomes for billers and their customers by using everyday spend transactions from retailers to resolve recurring payment failures.
Improves customer engagement for product brands by using everyday spend transactions with retailers to deliver value directly from brands to customers.
Improves customer payment insights for companies by using all available payment data to optimize performance of a particular customer payment.
Actual customer payment behavior is the most powerful indicator of risk and value—stronger than credit history or payment response alone.
When members share anonymized payment signals, everyone does better: less friction, less fraud, more revenue, more retention, better customer experiences.
Critical customer payment intelligence should be member-owned, not controlled solely by bureaus, banks, or networks.
It's essential to share useful intelligence without sharing PII or customer-specific details, using techniques like one-way hashing and strict governance.
"Use the files you already send" and "change one API network endpoint" is a foundational feature, not a detail. If participation is hard, the network never reaches scale.
Saying "no" to good customers quietly destroys relationships, revenue, and trust. Solving that failure is as important as catching bad actors.
The value of the alliance grows with each member, and that only happens if rules are transparent, incentives are fair, and bad-faith participants are removed.
Doing nothing entrenches legacy systems and keeps members paying the price for failures they didn't cause and can't fix on their own.
Whether you're a retailer or a biller, SIGNAL Alliance has a path for you.
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