For consumers
A replaced, expired or temporarily unavailable card can interrupt bills, memberships and subscriptions that still need to continue, often forcing people to update many merchants separately.
Payment continuity for recurring payments
Every payment deserves a spare lane.
Sparelane is being built as payment continuity for recurring payments. We are designing it to help consumers keep important bills and subscriptions moving, and to help merchants reduce avoidable payment failures when a primary method cannot be charged. Coming soon. Join early access.
Coming soon. No payment details are collected on this website.
Recurring-payment interruptions
A changed card should not interrupt everything connected to it.
Lost, replaced, expired or temporarily unavailable cards can cause recurring payments to fail. That creates inconvenience for consumers and recovery work for merchants.
For merchants
Each failed recurring payment can create recovery work, support tickets and involuntary churn, where good customers leave because a charge failed rather than because they chose to cancel.
Payment continuity
Sparelane is designed to create an authorised backup route so recurring payments can keep moving transparently when a primary funding source cannot be charged.
Payment continuity flow
A spare lane when the primary route cannot complete.
Sparelane is designed to attempt authorised funding sources in the customer's preferred order, then keep both the customer and merchant informed.
- 1
Merchant requests payment
- 2
Primary funding source attempted
- 3
Authorised backup route selected if needed
- 4
Customer notified
- 5
Merchant receives status
- 6
Payment resolved or marked at risk
Consumer payment protection
Keep important payments on track.
Sparelane is being designed to let customers create an authorised order of payment preferences for participating merchants. When a primary card cannot be charged, an authorised backup method can be attempted so bills, memberships and subscriptions are less likely to stop simply because one card changed.
- Create an authorised order of payment preferences for participating merchants
- Reduce disruption when a card expires, is replaced or is temporarily unavailable
- See how a recurring payment was handled
- Receive clearer payment-failure notifications
- Stay in control of backup payment options
Consumer protection
Product conceptUpcoming payment
EnergyCo
Due Tuesday
A$148.30
- Primary card
- Visa ending 4242
- Backup route
- Mastercard ending 8190
- Protection status
- Protected
Payment timeline
Product concept- 1Primary card attempted
- 2Payment could not be completed
- 3Authorised backup selected
- 4Payment completed
- 5Merchant updated
- 6No customer action required
Notification
Product conceptSparelane
Your EnergyCo payment could not be completed using your primary card. Your authorised backup method was used successfully.
Just now
Merchant overview
Product conceptIllustrative concept data
48,240
Recurring payments protected
1,174
Payments recovered
A$86,420
Illustrative revenue retained
71.4%
Recovery rate
Recovery funnel
Product conceptIllustrative concept data
- Initial payment successful42,850
- Backup funding recovered936
- Customer action recovered238
- At risk126
- Unresolved74
Merchant payment recovery
Recover payments before they become lost customers.
Sparelane is being designed to help merchants reduce avoidable recurring-payment failures and gain clearer visibility into payment-recovery journeys. Backup payment routing, retry visibility and payment-status webhooks are proposed capabilities, not claims of guaranteed recovery or live commercial results.
- Reduce avoidable failed recurring payments in subscription and recurring billing
- Improve payment recovery visibility when charges are at risk
- Support clearer customer notifications during recovery
- Receive payment-status updates through webhooks and dashboards
- Help reduce involuntary churn caused by payment failures, not cancellations
How Sparelane is intended to work
Built around permission, clarity and continuity.
Sparelane does not guarantee payment and does not advance funds. The merchant remains responsible for deciding whether to suspend, extend or contact the customer.
Step 1
Authorise backup preferences
Consumers set an ordered list of funding sources they are willing to use for eligible recurring payments.
Step 2
Attempt the primary route
When a merchant initiates a recurring payment, Sparelane is designed to attempt the preferred funding source first.
Step 3
Use the spare lane if needed
If the primary attempt cannot complete, Sparelane is designed to try authorised backups in the consumer's chosen order.
Step 4
Keep everyone informed
Customers receive notifications and merchants receive dashboard, API and webhook status updates throughout the journey.
Payment recovery capabilities
What Sparelane is being designed to do.
These proposed capabilities describe the product roadmap, including backup payment routing, recovery visibility and merchant webhooks. They are not claims about a live payment service.
Authorised backup routing
Designed to attempt consumer-authorised funding sources in a preferred order.
Clear customer notifications
Proposed capability to explain payment activity and any action required.
Merchant status webhooks
Designed to deliver signed payment lifecycle events into merchant systems.
Auditable timelines
Built around the goal of showing how each payment attempt progressed.
Recovery visibility
Designed to help merchants understand where recurring payments stall.
Permission-first controls
Customer preference and consent sit at the centre of the proposed model.
Merchant integration and webhook concept
Merchants are intended to receive payment status through a dashboard, API and webhooks. The final integration model is still being developed and may complement existing payment providers rather than replace them.
Webhook configuration
Product conceptEndpoint
https://api.example.com/webhooks/sparelane
Subscribed events
- payment.created
- payment.collecting
- payment.at_risk
- payment.funds_secured
- payment.paid
- payment.failed
Latest delivery
200 OK
Delivered in
184 ms
Signing secret
whsec_••••••••••••••••
Proposed capability: HMAC-signed webhook delivery for payment status updates.
Security and trust
Designed with caution, clarity and restraint.
Sparelane is not claiming live PCI certification or payment-provider trust yet. Security, encryption, least privilege and compliance partnerships are part of the roadmap.
Tokenisation-first design intent
Raw card details would not be stored by the Sparelane application. Sensitive payment data is intended to remain with specialised providers where required.
Customer-authorised preferences
Backup funding routes are intended to operate only with clear customer permission and preference ordering.
Signed webhooks
Merchant event delivery is planned to use signed webhooks so receivers can verify authenticity.
Auditable payment timelines
The product concept emphasises transparent attempt history for both customers and merchants.
Compliance roadmap items and payment-provider partnerships will be pursued as the product moves beyond concept. This website does not process payments. See the Sparelane privacy notice for how early-access information is handled.
Vision
We are building the payment continuity layer for recurring commerce.
Today, changing a card can mean updating many separate businesses one by one. We believe recurring payments should be able to continue securely, transparently and with the customer's permission. Sparelane is being designed to create that spare lane.
Early access
Join Sparelane early access while we are building.
Register as a consumer or merchant. We will share progress updates and selected discovery conversations. No payment card details are collected here.
Consumer waitlist
For people who want a spare lane for important recurring payments.
Merchant early access
For teams exploring payment continuity, recovery visibility and webhook-driven status updates.
FAQ
Frequently asked questions
Clear answers about Sparelane payment continuity while the product is still being built.