Bill the retainer once, collect it every cycle.
Set up a recurring schedule once and Finye raises every invoice on time, collects it by autopay through your own Stripe or Square account, and retries any card decline for you.
Retainers, fixed-fee engagements and subscription plans should bill themselves. Finye raises each recurring invoice on the right day, every cycle, so nothing slips through and your monthly billing run stops being a monthly scramble.
Where a client has saved a card, autopay collects the fee off-session through your own Stripe or Square account and retries any decline on its own. The card details never touch Finye, and the money lands where it always has.