01The customer needs more time.
A recurring payment fails: card declined, insufficient funds, expired invoice. Instead of cancelling, the customer gets up to 15 extra days to pay.
Built for
subscriptions
What if a payment failed without you losing the revenue?
When a subscription is due, you receive your revenue, even if the customer pays later. Foralte takes over the payment and follows up until they pay, preserving the relationship.
- Pix Automático, card and boleto
- You receive on the due date, before the customer pays
- Zero cost for your customer
Pilot program · founder terms for the first 10 companies.Learn more
Automatic recovery
Off
Live on Foralte
Relationship kept
Ana stays on the plan, no friction
Ana paid later
Your revenue was received on the due date
New window: +7 days
Ana pays later · your revenue is already guaranteed
Revenue received on the due date
R$127,240
+18% this month
Payments completed
1,283
Built for businesses that bill every month
Gyms, schools, SaaS, clubs, clinics or any other subscription business: if you bill on a recurring basis, Foralte was designed for you. You keep selling; the payment that fails becomes our problem.
How much are you leaving on the table every month?
Adjust to your business's numbers. The estimate is conservative and it still tends to surprise.
500 customers
R$149/mo
8% of payments
Estimate based on the numbers you entered. No commitment.
Simulation
Recovered by Foralte
R$0/mo
R$0over 12 months
Lost todayR$0/mo70% recovery rate
Conservative scenario. If Foralte doesn't recover it, you don't pay.
So what does the flow look like?
Three steps. Zero changes to your operation. Your customer gets time and you receive on the due date.
- 01
02On the due date, you get paid. Foralte takes over the payment.
Even if the customer has not paid yet, your business receives on the due date. From that point on, the payment is ours: we choose the best strategy for them to pay later.
03Your revenue is protected and the relationship goes on.
No delay turns into churn. The customer stays on the plan, your team stops chasing payments and cash flow stays predictable from the due date.
Meet the Foralte engine
Foralte understands each customer's payment behaviour and, with help from AI, picks the best strategy to recover the payment, without turning a delay into lost revenue.
Behaviour
Payment history, preferred days, the channel they respond to and intent signals. Every customer gets their own approach, not a generic dunning rule.
Deep customer analysis
Risk scored per payment, with optional Open Finance data when it improves the decision. Extra time proportional to the likelihood of paying.
AI in service of recovery
An AI layer supports Foralte's team and rules: it looks at every failed payment and helps decide when, how and through which channel to reach the customer.
Protection for partner and customer
You receive on the due date, even if the customer pays later. The customer pays no Foralte interest and keeps access to what they signed up for.
History
Behaviour
Risk
AI
Open Finance
ForalteBest moment
Extra time
Protected revenue
What Foralte does day to day
Recovery that handles itself
R$ 149 charge failed, Ana
New payment window sent. No action from you.
R$ 149 received on the due date. Ana pays later.
Dashboard to follow along without spreadsheets
Foralte · Charges
Today's charges
CustomerAmountStatus
Ana SouzaR$ 149Recovered
Bruno LimaR$ 89In window
Carla DiasR$ 299Paid
Diego ReisR$ 149Recovered
Payouts on the due date, before the customer pays
Revenue received on the due date
OverviewChargesPayouts
Received on the due date
R$ 42,180
Recovered
R$ 8,940
Next payoutR$ 3,120 in 2 days
Webhooks for every status change
charge.paid09:41
charge.failed09:42
protection.activated09:42
protection.settled14:07
protection.expired14:08
Your own payment method no gateway integration needed
When you want to integrate, it's all ready
Foralte works on its own as a payment method. If your team would rather connect it to the system you already use, the API and webhooks are there from day one.
One call to create a charge, one to query it
Signed webhooks for every status change
A sandbox with the same events as production
Webhook with the event that matters: the payment recovered
{ "event": "charge.recovered", "charge_id": "ch_8f2a91", "amount": 18990, "currency": "BRL", "customer": { "name": "Ana" }, "recovered_at": "2026-09-12T12:07:41Z", "payout": { "status": "settled" }}
Works with the language your team already uses
JavaScriptTypeScriptPythonPHPRubyGoOpenJDKKotlinSwiftRustDartCC++ScalaElixir
JavaScriptTypeScriptPythonPHPRubyGoOpenJDKKotlinSwiftRustDartCC++ScalaElixir
JavaScriptTypeScriptPythonPHPRubyGoOpenJDKKotlinSwiftRustDartCC++ScalaElixir
JavaScriptTypeScriptPythonPHPRubyGoOpenJDKKotlinSwiftRustDartCC++ScalaElixir
ErlangHaskellClojureLuaPerlRJuliaOCamlF#CrystalNimZigDelphiFortranSolidity
ErlangHaskellClojureLuaPerlRJuliaOCamlF#CrystalNimZigDelphiFortranSolidity
ErlangHaskellClojureLuaPerlRJuliaOCamlF#CrystalNimZigDelphiFortranSolidity
ErlangHaskellClojureLuaPerlRJuliaOCamlF#CrystalNimZigDelphiFortranSolidity
Why Foralte?
The difference between simply retrying a payment and understanding how to recover it.
Without ForalteA failure becomes a loss
Same retry for everyone
Manual, fragmented collections
Churn without a cancellation request
The company waits for the customer to pay
The customer relationship erodes
With ForalteA failure becomes revenue
Best strategy for each customer
More time for those who need it
You receive on the due date
Recovery in a single flow
Relationship preserved
“I've always believed the relationship with a customer is worth more than a sale. Setbacks happen, and that shouldn't put a business at risk. That's why I created Foralte.”
Vitor Silva
Founder of Foralte
Questions we hear every day
No. Foralte is your payment method: you charge via Pix Automático, card or boleto through Foralte, and recovery is built in. No third-party gateway integration.
On the subscription due date. For eligible payments, your revenue is paid out even when the customer uses the extra window and pays later.
The company, and only on what is recovered or protected. The end customer pays no Foralte interest or fees for the extra time.
One API call to send the failed payment and one webhook to receive its status. Engineering teams usually finish in a few days.
Yes. The initial phase covers Pix Automático, boleto, debit and credit, the most common methods for recurring billing in Brazil.
For eligible payments, you have already received payment on the due date. Foralte takes on the risk of that payment through regulated partners, according to the operating terms.
You're not locked into anything: no contract, no fixed fee, no subscription. If Foralte doesn't recover, you don't pay. The risk is ours, not yours.
Pilot program
Join Foralte's first cohort.
We're choosing 10 companies to start together. Those who join now help shape the product and lock in founder terms.
No fixed fee, no lock-in. You only pay on what Foralte recovers. If we don't recover, you don't pay.
Founder terms. The best terms Foralte will ever offer, locked in for the first cohort.
A direct line to the builders. Your payments and your feedback decide what Foralte does next.
7 questions, under 2 minutes. No commitment: when Foralte is ready, we message the selected companies on WhatsApp or email.
