Involuntary churn
Members lost to a payment failure rather than a decision to leave.
Involuntary churn is the portion of cancellations caused by expired cards, declines, and fraud blocks. The member did not choose to go; the payment simply stopped working.
It is worth measuring separately from voluntary churn, because the fixes are completely different. Voluntary churn is a product problem. Involuntary churn is a billing-configuration problem, and usually the faster one to solve.
