Hi Product Hunt! I’m Brenna, Co-Founder of Waivr. We’re launching a single Pay By Bank API that makes recurring payments just a bit smarter. We use a hybrid Same Day ACH and Real Time Payments (RTP) network to move money from customer to merchant at a 10x cheaper rate, within hours, and we eliminate the bounces and payment failures that occur because of credit cards. This means less churn and longer lasting customers. @carolinanmd and I have been building Waivr for 2 years. We actually began our journey back when we were PH newbs (https://www.producthunt.com/prod...) as an app that would prevent the dreaded $35 overdraft fee that banks slap onto your account - for what, a $4 coffee? We did some data analysis with our customers and we came to realize that the overdrafts were many times being caused by subscription services, and there was typically just a cash flow misalignment between when an individual gets paid and when they were charged for a product. So we dropped Waiver’s E and pivoted to solve a much larger pain point that hits merchants and consumers alike - eliminating failed payments and involuntary churn. Here’s the rundown of what we’ve built with Pay by Bank: 💃Customers pay using bank credentials or Face ID. No need to enter bank or card numbers. 🪩No bounces & no failed payments. 💰Fees 10x lower than the card network. 💸Instant disbursement through the RTP network. Some things to checkout: 🍹 See us in action at: https://www.craftmix.com/product... 🎮 Give our demo a try and see how the API works: https://demo.waivr.co/ 🙋‍♀️ If you’re a recurring payments or subscription product looking to reduce failed payments and improve customer retention, let’s talk. As a thank you to the Product Hunt community we have 1K free transactions and intro pricing for the first qualified merchants: https://www.waivr.co/request-access Thank you for your support today - we’re looking forward to hearing your feedback!

and Happy International Women's day from your two female founders! @carolinanmd 👯‍♀️

This looks great! We're always fighting failed payments via credit card with our subscriptions. I like what this is solving.

genius! Goodluck guys ⚡️

Cheaper, faster, and more reliable payments? Sounds like a no-brainer!!!

Congratulations on launching Waivr API! Excited to see how its advanced payment processing capabilities can revolutionize the industry!

Congratulations on your launch @carolinanmd ⚡️

Congrats on your launch

Great fintech usecase, congrats team

"Saving money with Waivr just makes cents." 🤣 Love it! Congrats on the launch!

All the best for the launch Carolina and team ✌️

Congrats on the launch! I've worked with several eCommerce brands, and this would be a complete game changer for them - a failed payment is like internal bleeding that slowly kills a brand from the inside!

Great product guys! I was just listening to a podcast (think it was Lenny’s podcast) where they were talking about an insane amount of churn happening from cards just bouncing / expiring. Retention is always the winner - seems like you guys have solved this!

Congratulations on the launch today Brenna!

Great idea guys and good job! Best of luck today!

Congratulations on the launch!

Good luck on the launch! 🚀 I was tired of having troubles with the payments, your product gives me a hope! :)

Hey Caroline, Good luck :)

Congrats on the launch team, this looks awesome!

Congratulations on the launch of Waivr's Pay by Bank! This is a great way to streamline payments and reduce processing costs. Let's discuss how it can help businesses succeed!