Done-for-you offer · Fractional CMO with AI Swarm · subscription billing ingestion
Done-for-you subscription billing ingestion for DTC, multi- location franchise, multi-unit service brand, multi-location retail, multi-channel retail, and PE-sponsored portfolio subscription operators — a 6-skill Billing-Event-Capture + Lifecycle-State-Inference + Dunning-Routing + Recovery- Outreach + Anti-Churn-Loop + Attestation bundle on the customer- graph agent.
The descriptive industry pattern at 100k-100M subscribers across multiple billing platforms: each platform publishes events on its own schema + webhook cadence; lifecycle state inference happens per-platform with no cross-platform reconciliation; dunning routes through whichever channel the billing platform defaults to (typically email-only) without per-decline-class soft-vs-hard branching; recovery outreach loses per-vertical grace period nuance; anti-churn signals never loop back to loyalty + cohort + tier-transition + LTV systems; PCI DSS + SCA + FTC Negative Option Rule compliance gets applied at the per-platform level rather than runtime per- event. Stripe, Recurly, Chargebee, Zuora, Maxio, ChargeOver, Paddle, Apple In-App Purchase, Google Play Billing, Mindbody, Bold Subscriptions, Recharge, Stay AI, Loop Subscriptions, and Subbly ship excellent billing primitives. The 6-skill streaming pipeline that captures 12+ event types across 10+ platforms, infers 8 lifecycle states, routes 6 dunning handlers, emits outreach across 6 channels, loops anti-churn signals back to loyalty + behavioral-cohort + tier-transition + LTV-math systems with trapping-rule + retention-action-budget, and emits WORM-storage attestation is operator-side architecture. Completions builds and operates the 6-skill bundle on the customer-graph agent. Operator owns every artifact and can in- house at any time.
Published September 24, 2026
Frequently asked
What does the done-for-you subscription billing ingestion engagement deliver?
Completions builds and operates a 6-skill bundle on the customer-graph agent: Billing-Event-Capture, Lifecycle-State-Inference, Dunning-Routing, Recovery-Outreach, Anti-Churn-Loop, Attestation. Skill 1 (billing-event capture) captures across 10+ billing platforms (Stripe, Recurly, Chargebee, Zuora, Maxio, ChargeOver, Paddle, Apple In-App Purchase, Google Play Billing, Mindbody, Bold Subscriptions, Recharge, Stay AI, Loop Subscriptions, Subbly) and 12+ event types (trial-start, trial-end, subscription-start, subscription-renew, subscription-upgrade, subscription-downgrade, subscription-pause, subscription-cancel, payment-fail, payment-retry, chargeback, refund). Skill 2 (lifecycle-state inference) infers from event history across 8 lifecycle states: active, at-risk, in-dunning, churned, reactivation-candidate, trial-converter, voluntary-churn, involuntary-churn. Skill 3 (dunning routing) routes across 6 handlers: soft-decline retry, hard-decline escalation, SCA 3DS step-up, card updater, account update, per-vertical grace period. Skill 4 (recovery outreach) emits across 6 channels: in-app message, email, SMS, outbound call, in-store mention, direct mail. Skill 5 (anti-churn loop) loops signals back to loyalty + behavioral-cohort + predictive-tier-transition + member-LTV-math systems with trapping-rule + retention-action-budget + per-vertical-policy overlay. Skill 6 (attestation) emits an attestation record with attestor identity, timestamp, WORM-storage commit, chain-of-custody, and per-vertical compliance overlay reference. The per-vertical compliance overlay covers PCI DSS + SCA Article 22 + CCPA + GDPR + CASL + TCPA + Mindbody billing policy + Apple IAP policy + Google Play policy + FTC Negative Option Rule. Operator owns every artifact: 6 registries in operator data infrastructure; 6-skill model code aligned with operator billing-engineering team; per-billing-platform credentials under operator billing; per-vertical compliance overlay rule library; per-subscription per-member billing-event registry; LLM prompts; audit trail. Completions owns the swarm-orchestration knowledge.
Why is cross-platform subscription billing ingestion + anti-churn loopback typically operator-side rather than billing-vendor-shipped?
The billing platform vendors (Stripe, Recurly, Chargebee, Zuora, Maxio, ChargeOver, Paddle, Apple In-App Purchase, Google Play Billing, Mindbody, Bold Subscriptions, Recharge, Stay AI, Loop Subscriptions, Subbly) each ship excellent native event capture + webhooks + basic dunning + reporting within their own surface. They do not ship the cross-platform 6-skill pipeline because the event taxonomy reflects operator-specific subscription product modeling; the lifecycle state inference reflects operator-side risk + recovery policy; the dunning handler routing integrates with operator merchant + chargeback + customer-service workflows; the anti-churn loopback connects to operator-owned loyalty + behavioral-cohort + tier-transition + LTV-math systems; the per-vertical compliance overlay (PCI DSS + SCA + FTC Negative Option Rule + Mindbody policy + Apple IAP + Google Play) tracks operator legal team approved frameworks; the per-platform credentials live under operator billing. The work that remains operator-side spans six engineering surfaces: billing-engineering for 10+ platform event capture; inference-engineering for 8-state lifecycle inference; routing-engineering for 6-handler dunning routing; outreach-engineering for 6-channel recovery outreach; retention-engineering for anti-churn loopback with trapping-rule + retention-action-budget; audit-engineering for WORM-storage + chain-of-custody + 10-jurisdiction compliance overlay. Completions absorbs all six surfaces under one Tier 3 Fractional CMO with AI Swarm engagement and hands the artifacts back at engagement end.
What does the engagement look like across Tier 1 to Tier 2 to Tier 3?
Tier 1 AI Readiness Assessment ($10k, 2-3 weeks, diagnostic): audits six axes. Tier 2 AI Swarm Setup Sprint ($25-50k, 4-8 weeks): builds 6-skill bundle on customer-graph agent — completing the 13th 6-skill bundle + DATA-FABRIC 6-SKILL+ OCTET + ANTI-P11 CENTURY MILESTONE architecture. Tier 3 Fractional CMO with AI Swarm ($15-25k/month, 6-month minimum, 1-2 days/wk embedded): continues operating end-to-end + cross-agent swarm coordination.
Who owns the registries?
Operator owns 100% of every artifact: 6 registries (in operator data infrastructure), 6-skill bundle model code (operator-owned + operator-billing-engineering-team-aligned), per-billing-platform credentials (Stripe + Recurly + Chargebee + Zuora + Maxio + ChargeOver + Paddle + Apple-IAP + Google-Play + Mindbody under operator billing + operator credentials), per-vertical compliance overlay (rule library in operator repo with attorney-approved updates), per-subscription per-member billing-event registry, LLM prompts, audit trail. Completions owns the orchestration knowledge.
What measurement and reporting does Completions commit to on Tier 3?
Measured against the operator pre-engagement baseline across seven workstreams, reported weekly. (1) Billing-event capture coverage trajectory — share of billing events captured across the 10+ platforms; per-platform webhook health + retry trace. Reported against pre-engagement baseline rather than at a 99.9-percent target because coverage depends on per-platform webhook delivery + operator credential health. (2) Lifecycle-state inference quality — per-state precision + recall against an operator-labeled validation cohort across the 8 states; per-state transition trace. (3) Dunning-routing distribution — share of dunning events routed across the 6 handlers; per-handler downstream-outcome trace. (4) Recovery-outreach delivery — per-channel delivery rate against per-channel SLA; per-channel deliverability ceiling trace. (5) Involuntary-churn recovery trajectory — per-decline-class recovered-subscriber rate against the operator pre-engagement no-anti-churn-loop baseline; reported as a trace rather than promised at a 30-percent lift because recovery rate depends on per-decline-class root cause (expired card vs. insufficient funds vs. fraud block vs. SCA challenge) + per-bank issuer policy + customer card-update behavior + per-vertical grace-period policy operator approves. (6) Attestation completeness — per-event WORM-storage commit rate; attestor-identity + chain-of-custody completeness; per-jurisdiction compliance-overlay rule-evaluation completeness (PCI DSS + SCA + FTC Negative Option Rule + per-platform policy). (7) Policy-violation exposure preempted — N-recurrence trapping rate against the operator pre-engagement policy-violation baseline; reported as a trace rather than promised at a 99.5-percent target because trapping rate depends on the policy taxonomy + violation classification rules operator approves. Process commitments are firm: weekly per-platform webhook health check; weekly per-platform schema-drift audit (vendor schema changes); weekly lifecycle-inference recalibration; weekly per-handler routing rule sync; weekly per-vertical compliance overlay update; weekly anti-churn loopback audit; weekly audit-trail emission. Outcome targets are not promised because billing capture coverage + lifecycle inference accuracy + churn recovery + policy-violation trapping depend on per-platform webhook delivery + per-decline-class root cause + per-bank issuer policy + customer card-update behavior + operator-side policy taxonomy operator approves.
How does engagement end and what is the operator transition path?
Tier 3 engagements are 6-month minimum with 90-day notice. At engagement end, Completions transitions back to operator in-house in 30-60 days: operating-playbook hand-off + in-house staff training + 6 registries hand-off + 6-skill bundle model code hand-off + per-billing-platform credentials hand-off + per-vertical compliance overlay rule library hand-off + per-subscription per-member billing-event registry hand-off + LLM prompts hand-off + audit trail hand-off; Completions credentials revoke immediately.
Engage Completions
Start with the AI Readiness Assessment (Tier 1, 2-3 weeks, $10k). Hand off to Tier 2 ($25-50k, 4-8 weeks). Continue under Tier 3 Fractional CMO with AI Swarm ($15-25k/month, 6-month minimum, 1-2 days/wk embedded).
Or take the 3-question shape diagnostic first — no email required.