Definition

What is Dunning?

Dunning is the process of recovering a failed or overdue payment: retrying soft card declines, notifying the customer, escalating to a person and, if nothing works, suspending service.

A worked example

An example policy with round numbers, not a benchmark. A $2,000 monthly card charge fails on day 0 with a soft decline. The billing system retries on day 3 and emails the billing contact a link to update the card; it retries again on day 7 with a second email, and service stays on. On day 14 the account owner gets a task with the invoice, the balance and the payment history. Day 21 brings a final notice with the suspension date; on day 30 the recurring charge is suspended and the subscription flagged for review. If the customer updates the card on day 5, the day 7 retry clears and nothing is lost.

B2B dunning is collections

Card dunning is retries and emails. Invoice dunning is accounts receivable: reminders before and after the due date, an aging report, the account balance, a credit hold on new orders and the account owner making the call. It matters: in Atradius’s 2025 survey, 43% of US companies’ B2B credit sales were overdue. Write the policy down before the first case: retry days, grace period, suspension day and who approves exceptions. Measure recovery rate against your own baseline; Stripe (2026) says businesses using its recovery tools recover 55% of failed payments on average. The full workflow is in involuntary churn and dunning, and the payments guide covers gateways and ACH.

In Salesforce

Sales Cloud on its own has no dunning workflow, because it doesn’t invoice or take payments. What Salesforce does provide is Flow: once payment status, invoice due dates and balances are fields on records in the org, a reminder email, a task for the account owner or a credit-hold rule is ordinary admin automation. Salesforce positions Revenue Cloud Billing, a separate product from Revenue Cloud Advanced, for invoicing, payments and collections, including credit management. External billing platforms run dunning on their own side and sync the result into Salesforce, so the account owner sees what the sync carries.

How Kugamon handles it

Kugamon has no separate dunning module. Dunning is built in Salesforce Flow on native fields: the Payment status (Declined, Error or Expired, with the processor’s message in the Payment Memo field), the Invoice’s Age (days), which fills only once the invoice is past due, and the Recurring Charge controls to Cancel, Suspend, Update or Bill for any Outstanding Amount. Dunning sequences, credit holds and approval routing are Flows on those fields, and no Apex is required. Completed payments apply to the invoice and roll up to the account balance, so a Flow can read what is still owed before it sends the next reminder.

Related terms

Source: stripe.com

Common questions

Dunning — questions

Enough to clear a soft decline without annoying the issuer or the customer. A reasonable starting point is two or three retries spread over one to two weeks, and none for hard declines such as a closed or invalid card; then adjust to what your own recovery data shows. Pair the schedule with a notice and a self-service link to update the payment method, so recovery doesn’t depend on retries alone.

Not as a separate module. Payment status is set by the processor and stored on the Payment record with its message, invoices carry a past-due Age field, completed payments roll up to the account balance, and Recurring Charges expose Cancel, Suspend and Update controls. Reminders, declined-payment alerts and credit holds are built with Salesforce Flow on those fields.

When your written policy says so, not when someone loses patience. One example policy keeps service on through a grace period while retries and notices run, sends a final notice with the date, and suspends around day 30. For contracts on net terms, escalate to the account owner first; a call to accounts payable usually clears more than another automated email.

Next step

Ready to see it inside Salesforce?

Thirty minutes on your data with someone who has done this before. No pitch — just honest guidance.