KeepMRR vs ChurnKey: The Ultimate Dunning Showdown

Two different approaches to failed payment recovery. One costs $49/mo flat, the other starts at $250/mo + 5%. Here's which one actually makes sense for your SaaS.

Every month, 4-11% of your subscribers experience failed payments. Cards expire, banks decline transactions, and customers forget to update their billing info. The question isn't whether you'll lose MRR to involuntary churn—it's how much you'll recover and what you'll pay for the privilege. Today we're comparing two fundamentally different approaches: KeepMRR (the indie hacker's choice) versus ChurnKey (the enterprise darling). One charges a flat $49/month regardless of how much you recover. The other takes a percentage cut on top of hefty monthly fees. Let's dig into the numbers, features, and philosophy behind each tool to help you make the right choice for your SaaS.

$49/mo

KeepMRR flat pricing

$250+ & 5%

ChurnKey starting cost

4-11%

Monthly failed payment rate

100%

Revenue you keep with KeepMRR

The Philosophy Divide

Before we dive into features and pricing, it's crucial to understand the fundamental difference in approach between these tools. KeepMRR operates on the principle that dunning should be simple, affordable, and ownership-focused. Built specifically for indie hackers and portfolio founders, it believes you shouldn't pay percentage fees on money that was already yours. Plain-text emails from your domain, flat pricing, and a guarantee that puts skin in the game. ChurnKey takes the enterprise approach with advanced segmentation, behavioral triggers, and sophisticated campaign management. It's designed for teams with dedicated growth managers who want granular control over every aspect of their retention campaigns.

🎯

KeepMRR: Simplicity First

Plain-text emails, flat pricing, multi-account dashboard. Built for founders who want results without complexity.

⚙️

ChurnKey: Enterprise Features

Advanced segmentation, A/B testing, behavioral triggers. Built for teams with dedicated retention specialists.