SaaS续费催收流程：60/30/7天提醒与网站倒计时横幅
Dear SaaStr: What Can a Startup Do to Get Their Customers to Pay on Time?
给出了从60天到7天的具体催收时间表、沟通渠道及不同客群的差异化处理策略（如网站倒计时横幅），读者可直接照搬到自己的续费流程中。
We found it fairly easy once we worked out a good process. Treat your customers with respect, be understanding … and then respect the value of your service.
一旦我们制定出一个良好的流程，发现这相当容易。尊重你的客户，保持理解……然后尊重你服务的价值。
Here’s what we worked out:
以下是我们制定的方案：
1. Communicate. Notify customers 60 days prior to renewal that they have 60 days to pay in a proper, corporate invoice.
1. 沟通。在续费前60天通知客户，他们需要在正规的企业发票中于60天内付款。
Most small businesses will ignore this, but most larger companies will then get it over to finance/accounting, who will need > 30 days to pay. It will kick off the right processes in the later case. 30 days is not enough in the enterprise.
大多数小企业会忽略这一点，但大多数大公司会将其转交给财务/会计部门，后者需要超过30天的时间来付款。在后一种情况下，这将启动正确的流程。在企业环境中，30天是不够的。
2. Remind them again 30 days prior to renewal they need to pay now to avoid a service interruption. This is when you really get the attention of smaller businesses.
2. 在续费前30天再次提醒他们，现在需要付款以避免服务中断。这时你才能真正引起小企业的注意。
3. Alert them 7 days prior to renewal, if still haven’t paid, a service interruption is coming on Date X, both in email — and a phone call.
3. 如果到续费前7天仍未付款，则发出警报，告知将在X日期发生服务中断，通过电子邮件和电话两种方式通知。
4. Provide a 7 day grace period after expiration, and allow an extension if they call and ask for one and promise the “check is in the mail” … AND ADD … a BIG RED BANNER ON THE WEBSITE you see every time you log in. That counts down until the service shuts down for nonpayment. So there are no surprises.
4. 提供过期后7天的宽限期，如果他们打电话要求延期并承诺“支票已在邮寄中”，则允许延期……并且……在你每次登录时看到的网站上添加一个醒目的红色横幅。该横幅会倒计时直到因未付款而关闭服务。这样就不会有意外情况。
5. At the low end, potentially shut it down after all those notices, etc. and allow instant resumption upon payment. At the higher-end, do NOT shut down a mission-critical service ever. But do not allow any feature changes, seat adds, etc. until payment received.
5. 在低端情况下，在所有通知等发出后可能会关闭服务，并在付款后立即恢复。在高端情况下，永远不要关闭关键任务服务。但在收到付款之前，不允许进行任何功能更改、增加席位等操作。
This resulted in a very high level of payment.
这导致了非常高的付款率。
更进一步：量化金融体系
看懂新闻只是起点——沿量化金融路径，把它变成能交付的工程能力