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Zombie Accounts

Recurring customers still being billed who have stopped paying · all 6 cities · data as of Sun, Sep 20, 2026

What this report is

Every Studio 1 recurring customer is a series of invoices billed on a fixed day each month. A zombie is a series that has missed 4 or more billing cycles in a row, counting back from its most recent invoice. One payment anywhere in that run resets the count — so a zombie has collected $0 across its last 4+ cycles and shows no sign of restarting.

This report counts only accounts that are STILL BEING BILLED — the 9,073 series with invoices scheduled ahead of them. Those are the ones that will fail again next month. The other 50,703 series in Square have stopped billing altogether; they still owe $40,397,171 between them, but they are closed history, not a live problem, so they are kept out of every headline number and shown separately at the bottom. Mixing them in is what makes an "everyone who ever missed" figure balloon into the tens of millions and stop meaning anything.

Why it matters: zombies are 29.9% of the live book and 72.1% of everything it has outstanding. Studio 1 bills them $555,693 every month and collects none of it. Every one of those attempts lands in the failed-payment count and drags the collection rate down, so the live book looks worse than it is until you strip them out.

How it's measured: 421,177 Square recurring invoices across all 6 cities — every cycle since each series began. Only invoices whose due date has already arrived can count as missed; anything scheduled ahead is excluded from both the miss count and the money owed. 57,788 of 59,776 series bill monthly and 1,988 are weekly or fortnightly, so months are calculated from real invoice dates rather than assuming one cycle = one month.

Rebuilt Sun, Sep 20, 2026. The previous version (last built 3 March) had four faults: it counted future scheduled invoices as missed payments; it capped each city's pull at 20,000 invoices, so 5 of 6 cities were silently truncated — New York was being read from 20,000 of its 165,682 invoices; it treated part-refunded invoices as misses; and it measured everything against a hardcoded Feb 2026 window. All four are corrected, and it now rebuilds every morning at 7 AM.
Live book
9,073
series still being billed
Zombie (4+ missed cycles)
2,711
29.9% of the live book
Zombie outstanding
$4,502,737
72.1% of the book's outstanding
Billed every month, never collected
$555,693
charged to zombies monthly
Never paid once
1,425
52.6% of zombies — signed up, never paid
Still paying
6,362
under 4 missed cycles

How long have they not paid?Every zombie by how many months it has gone without a payment — measured from its last payment, or from its first-ever invoice if it has never paid at all. "Never paid" = the series has not collected a single invoice since the day it started.

Months without a paymentAccountsOutstandingBilled / monthNever paid
4–5 months 789 29.1% $896,023 19.9% $154,047 387 49.0%
6–8 months 771 28.4% $1,207,352 26.8% $155,821 321 41.6%
9–11 months 614 22.6% $1,393,353 30.9% $132,877 344 56.0%
12–17 months 277 10.2% $778,195 17.3% $59,337 121 43.7%
18–23 months 1 0.0% $3,975 0.1% $200 1 100.0%
24+ months 1 0.0% $2,080 0.0% $160 0 0.0%
TOTAL 2,711 $4,502,737 $555,693 1,425

How many are over X months?Cumulative — each row counts every series in the live book of 9,073 that has gone at least that many months without paying. Use it to pick a cut-off: each row is what you would be cancelling, and what you would stop re-billing, at that line.

Months without a paymentAccountsOutstandingBilled / month
3+ months 3,552 39.1% $4,959,594 79.5% $718,726
4+ months ≈ zombie line 2,859 31.5% $4,440,858 71.1% $579,611
6+ months 1,814 20.0% $3,439,668 55.1% $376,298
9+ months 938 10.3% $2,191,514 35.1% $200,692
12+ months 289 3.2% $786,458 12.6% $61,126
18+ months 2 0.0% $6,055 0.1% $360
24+ months 1 0.0% $2,080 0.0% $160

By cityLive book only. Median = how many months the typical zombie in that city has gone without paying. Worst = the longest run still on the book.

CityLive seriesZombiesOutstandingBilled / monthMedian monthsWorst
Texas 2,613 932 35.7% $1,735,659 38.5% $202,209 7 24
New York 1,771 655 37.0% $1,144,404 25.4% $129,520 8 15
Florida 1,585 331 20.9% $550,796 12.2% $75,458 6 14
Nashville 1,117 305 27.3% $429,271 9.5% $57,098 6 14
Boston 930 241 25.9% $367,711 8.2% $45,283 6 13
Chicago 1,057 247 23.4% $274,897 6.1% $46,124 5 10
ALL CITIES 9,073 2,711 29.9% $4,502,737 $555,693 — 24

Worst 100 by money owedSorted by outstanding. Came back = how many times this account previously missed then resumed paying — anything above 0 has a history of recovering, so it may still be worth a chase. A 0 that has never paid is a write-off candidate.

560 of 2,711 zombies (20.7%) have come back from a miss at least once before.

CustomerCityMonths not payingMissed cyclesOutstandingMonthlyPaid / dueCame backLast payment
Katy Shaffer Texas 12 13 $41,600 $3,200 0/13 0% 0 never paid
Gabriel Alao Texas 11 12 $24,000 $2,000 0/12 0% 0 never paid
Destiny Aeryona Houseman Texas 9 9 $22,950 $2,550 0/9 0% 0 never paid
Dona Dixon Nashville 9 10 $20,750 $2,075 0/10 0% 0 never paid
Willis Mackey Texas 11 11 $17,325 $1,238 2/16 13% 1 2025-10-17
Marcelo Andrade Boston 11 12 $11,400 $950 0/12 0% 0 never paid
Kevin Mcrae Texas 11 12 $9,120 $760 0/12 0% 0 never paid
Saraii Mills New York 5 5 $8,400 $1,050 1/9 11% 1 2026-04-02
Yusleidy Rodriguez Texas 11 12 $8,340 $695 0/12 0% 0 never paid
Sarai Norelus Florida 3 4 $7,800 $1,950 0/4 0% 0 never paid
Malcolm Minter Florida 7 32 $6,600 $200 4/37 11% 1 2026-02-04
Albin Escalante New York 12 13 $6,487 $499 0/13 0% 0 never paid
Johnny Harris Florida 12 13 $6,392 $492 0/13 0% 0 never paid
DJ Pierre New York 11 12 $5,950 $496 0/12 0% 0 never paid
Rdestiny Ranson Texas 13 13 $5,850 $450 0/13 0% 0 never paid
Veronica Cagle Texas 10 10 $5,750 $575 3/13 23% 0 2025-11-15
Victoria Amerson New York 11 12 $5,700 $475 0/12 0% 0 never paid
Christian Stokes New York 11 12 $5,300 $442 0/12 0% 0 never paid
Leticia LeCroy Texas 11 12 $5,175 $431 0/12 0% 0 never paid
Kennedy Slusher Texas 13 14 $4,970 $355 0/14 0% 0 never paid
Quinton Sison Texas 10 11 $4,950 $450 0/11 0% 0 never paid
Willie Brister Texas 13 13 $4,830 $345 1/15 7% 1 2025-07-31
Heinz Schlotter Texas 14 15 $4,800 $320 0/15 0% 0 never paid
Donald W Gardener Texas 11 11 $4,675 $425 0/11 0% 0 never paid
Anesia Calhoun Texas 13 13 $4,648 $358 1/14 7% 0 2025-08-15
Sierra Mcnamee Texas 12 13 $4,648 $358 0/13 0% 0 never paid
Krystal Jackson Texas 13 13 $4,615 $355 2/15 13% 0 2025-08-05
Auston Snyder Nashville 12 13 $4,615 $355 0/13 0% 0 never paid
Borden Dees Texas 8 8 $4,600 $575 0/8 0% 0 never paid
Avious Adams Texas 9 10 $4,500 $450 0/10 0% 0 never paid
Izabella Dahl Chicago 7 7 $4,500 $500 1/10 10% 1 2026-02-19
Cleveland Lomas Texas 13 14 $4,480 $320 0/14 0% 0 never paid
Joshua Brown Texas 14 14 $4,480 $320 1/15 7% 0 2025-07-13
Kimberly Morris Texas 13 13 $4,480 $320 1/15 7% 1 2025-08-09
Jozalyn Ward Texas 13 14 $4,480 $320 0/14 0% 0 never paid
Margela Olivier-Galette Boston 5 5 $4,410 $315 5/19 26% 3 2026-03-22
Nicholas Souza Boston 6 7 $4,361 $623 0/7 0% 0 never paid
Syreta Green Texas 12 13 $4,355 $335 0/13 0% 0 never paid
Dexter Baker Texas 11 12 $4,260 $355 0/12 0% 0 never paid
Jerry Hoggatt Nashville 12 12 $4,260 $355 1/13 8% 0 2025-09-01
Marisa Coker Nashville 6 6 $4,260 $355 1/13 8% 1 2026-03-01
Chris DeBord Nashville 11 12 $4,260 $355 0/12 0% 0 never paid
Kent Christian New York 9 9 $4,219 $281 3/18 17% 2 2025-12-19
Jesus Reed Texas 12 12 $4,160 $320 1/14 7% 1 2025-09-07
Makayla Cavazos Texas 12 13 $4,160 $320 0/13 0% 0 never paid
Minea Yem Texas 12 13 $4,160 $320 0/13 0% 0 never paid
Alondra Gutierrez Texas 13 13 $4,160 $320 1/14 7% 0 2025-07-28
Danielle We New York 12 13 $4,160 $320 0/13 0% 0 never paid
Clemmie Neal New York 9 10 $4,160 $416 0/10 0% 0 never paid
Tabatha Osegueda Florida 4 4 $4,160 $320 2/15 13% 2 2026-04-30
Merci Jackson Texas 14 14 $4,130 $295 2/16 13% 0 2025-07-15
Jennifer Barron Texas 13 14 $4,130 $295 0/14 0% 0 never paid
Ariel Kettle Texas 13 14 $4,130 $295 0/14 0% 0 never paid
Aiyanna Brown Texas 12 13 $4,095 $315 0/13 0% 0 never paid
Marisol Ortiz Florida 12 13 $4,095 $315 0/13 0% 0 never paid
Cristianna Borelli New York 14 14 $4,080 $100 7/24 29% 2 2025-07-12
Jacob Smith Nashville 12 12 $4,020 $335 1/13 8% 0 2025-09-15
Elexia Bornnard Texas 9 10 $4,000 $400 0/10 0% 0 never paid
Jazhiel Rodriguez Florida 4 4 $4,000 $500 2/10 20% 2 2026-04-30
Venoil Jedidiah Joseph Texas 18 14 $3,975 $200 0/14 0% 0 never paid
Laura Monegro Florida 10 11 $3,960 $360 0/11 0% 0 never paid
Jordan Smith Texas 11 11 $3,905 $355 0/11 0% 0 never paid
Stace Artigue Texas 10 11 $3,905 $355 0/11 0% 0 never paid
Aliah Pacheco New York 9 9 $3,905 $355 2/13 15% 1 2025-12-06
Skyler Toth Texas 14 14 $3,900 $260 2/17 12% 1 2025-07-16
Tracey Ann New York 12 13 $3,900 $300 0/13 0% 0 never paid
Luci Nelson Nashville 5 5 $3,878 $353 2/13 15% 1 2026-04-19
Mya Hall Texas 12 12 $3,840 $320 1/13 8% 0 2025-09-10
Veronica Ponce Texas 12 12 $3,840 $320 1/13 8% 0 2025-09-10
Jennifer Wilkins Texas 11 12 $3,840 $320 0/12 0% 0 never paid
Kaylie Sampson Texas 11 11 $3,840 $320 4/16 25% 1 2025-09-21
Pema Wangchuk New York 12 12 $3,840 $320 3/15 20% 0 2025-09-01
Jasmine Nicholson New York 7 7 $3,840 $320 2/14 14% 1 2026-01-31
Norris Fils-Aime Florida 13 13 $3,835 $295 1/14 7% 0 2025-08-10
Sharon Sanchez Nashville 12 13 $3,835 $295 0/13 0% 0 never paid
Christopher Goring New York 6 6 $3,804 $317 3/15 20% 1 2026-03-05
Jaclyn Melainne Brown Boston 5 6 $3,780 $630 0/6 0% 0 never paid
Major Conover New York 11 12 $3,780 $315 0/12 0% 0 never paid
Shabria Jones New York 11 12 $3,780 $315 0/12 0% 0 never paid
Sandy Donaldson Nashville 10 11 $3,780 $315 1/13 8% 1 2025-10-23
Marcus Mason Texas 16 17 $3,754 $221 0/17 0% 0 never paid
Brenda Heckard Texas 13 14 $3,745 $268 0/14 0% 0 never paid
Justine Stone New York 13 14 $3,745 $268 0/14 0% 0 never paid
Ashley Davis Texas 7 7 $3,738 $288 2/15 13% 1 2026-02-17
Crystal Lewis Texas 11 12 $3,720 $310 0/12 0% 0 never paid
Trista Heil Texas 12 12 $3,714 $310 1/13 8% 0 2025-09-16
Ayotayo Ogunkoya Texas 13 13 $3,710 $265 1/15 7% 1 2025-08-18
Jelani Rowe Texas 13 14 $3,710 $265 0/14 0% 0 never paid
Steven Velazquez Boston 13 13 $3,710 $265 1/15 7% 1 2025-08-01
Jose Luna New York 13 13 $3,710 $265 1/15 7% 1 2025-08-19
Myke Jules New York 14 14 $3,710 $265 1/15 7% 0 2025-07-18
Pharaoh Liukang Florida 11 11 $3,710 $265 4/18 22% 2 2025-09-28
Nasheim Rowe Nashville 12 12 $3,710 $265 1/15 7% 1 2025-09-15
Jratn Fuksa Texas 12 13 $3,705 $285 0/13 0% 0 never paid
Katherine Hinchey New York 13 14 $3,690 $280 0/14 0% 0 never paid
Thomas Hayes Texas 8 8 $3,675 $408 1/10 10% 1 2026-01-05
Maycee Holt Texas 13 14 $3,640 $260 0/14 0% 0 never paid
Sydell Murphy Texas 13 14 $3,640 $260 0/14 0% 0 never paid
Issac Mcdonald Texas 13 14 $3,640 $260 0/14 0% 0 never paid
Esther Jolly New York 13 14 $3,640 $260 0/14 0% 0 never paid
⇩ Download all 19,585 zombie accounts (CSV)

CSV includes the 2,711 live zombies above plus the 16,874 closed ones — filter on the StillBilling column.

Closed accounts — historical debtNot counted anywhere above. These 50,703 series have no invoices scheduled ahead, so Square has stopped billing them — they cannot fail again. They are shown for completeness because the money is real, but it is old debt to write off or chase, not a live book problem.

16,874 of these closed series ended on a run of 4+ missed cycles, owing $31,259,751. Total owed across all closed series: $40,397,171.

CityClosed seriesEnded as zombieOutstanding
New York 22,140 7,164 32.4% $19,845,500
Florida 10,320 3,338 32.3% $10,421,788
Texas 11,100 4,121 37.1% $6,529,092
Boston 3,786 1,195 31.6% $1,847,199
Nashville 2,332 837 35.9% $1,334,801
Chicago 1,025 219 21.4% $418,790
ALL CITIES 50,703 16,874 33.3% $40,397,171