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  3. Le coût caché d'un échec de paiement : au-delà de l'abonnement
Finance•2026-02-05•8 min

Le coût caché d'un échec de paiement : au-delà de l'abonnement

Calculer l'impact du CAC (Coût d'Acquisition Client) ruiné par une carte expirée.

Le CAC non récupéré

Imaginons que votre CAC (Customer Acquisition Cost) soit de $500. Le paiement mensuel est de $50. Il vous faut 10 mois (le Payback Period) pour être rentable sur ce client. Si sa carte expire au mois 4 et que votre système échoue à le recouvrer, vous n'avez pas juste perdu $50/mois. Vous venez littéralement de brûler $300 d'investissement publicitaire net.

Le recouvrement (Dunning) n'est pas "juste là pour garder de l'argent de poche", cest le gilet de sauvetage financier du modèle SaaS tout entier.

S

Sarah

SaaS Founder

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