Stop losing 10–15% of MRR
to failed payments.
Expired cards, insufficient funds, 3D-Secure timeouts — most SaaS write these off as "churn." But 50–70% are recoverable if you actually run smart retries, branded dunning, and a card-update flow.
MRR health · last 12 months
$20,000 MRR sample
Involuntary churn
Industry benchmark: 7–9%
$20k MRR
−$2.4k
/ month
$100k MRR
−$12k
/ month
$500k MRR
−$60k
/ month
Cumulative loss
−$3,060 / yr
Your subscription bucket has five different leaks.
Each one is a different reason payments fail. Most SaaS only patch the first one — and silently lose the other four.
Expired card
By far the largest category. Card just hit its expiry month and the customer hasn't updated it.
Insufficient funds
Retry at the right moment (usually a payday) and most of these clear cleanly.
3D Secure timeout
Customer didn't complete the bank verification step. A re-send email with a one-tap link fixes most.
Lost / stolen flag
Card got cancelled. We surface a frictionless re-entry flow with Apple Pay fallback.
Issuer decline
Bank's risk system flagged the charge. Smart retry at off-peak hours unlocks the majority.
Plugged together
~55%
of all failed payments recovered when you actively patch all five leak types in parallel.
Three recovery paths run in parallel on every failed charge.
Combined, they recover ~75% of what Stripe Smart Retries alone leaves on the table.
Pipeline outcome
100 failed charges 75 recovered
Net recovery rate
75%
Smart retries
Issuer-aware retry schedule, not Stripe's flat 3-7-15. Retries when banks are most likely to approve.
Branded dunning
Plain-text from your domain. One-tap update link. Multi-touch on day 1, 3, 7, 14. Auto-stops on success.
Card updater + Pay
Hosted update page that detects mobile and offers Apple/Google Pay as a one-tap alternative.
Coverage gap, visualised.
How completely each tool plugs the five leak types. We score full / partial / no coverage per category and show the resulting protection level.
Stripe Smart Retries
Built-in
Leak coverage
3 / 10
1 full · 1 partial · 3 none
Free with Stripe, but retries are all you get. No emails, no card updater, no fallback.
- Smart retries
- Branded dunning emails
- Card-updater flow
- Apple/Google Pay fallbackpartial
- Multi-provider support
Baremetrics Recover
From $129/mo + %
Leak coverage
4 / 10
2 full · 0 partial · 3 none
Solid email + retry combo, but Stripe-only and pricey at scale.
- Smart retries
- Branded dunning emails
- Card-updater flow
- Apple/Google Pay fallback
- Multi-provider support
Paddle Retain
% of recovered
Leak coverage
7 / 10
3 full · 1 partial · 1 none
Strong feature set — but locked to Paddle as merchant of record.
- Smart retries
- Branded dunning emails
- Card-updater flow
- Apple/Google Pay fallbackpartial
- Multi-provider support
Hookdeck
$0–$300/mo
Leak coverage
3 / 10
1 full · 1 partial · 3 none
Webhook delivery infra. Useful primitive, but not a recovery product on its own.
- Smart retriespartial
- Branded dunning emails
- Card-updater flow
- Apple/Google Pay fallback
- Multi-provider support
Ours
20% of recovered · $0 fixed
Leak coverage
10 / 10
5 full · 0 partial · 0 none
Every leak plugged. Pay only when we recover dollars you'd already written off. Risk-free by design.
- Smart retries
- Branded dunning emails
- Card-updater flow
- Apple/Google Pay fallback
- Multi-provider support
See your real number.
Drop your email — at launch you'll get a one-click Stripe audit showing exactly how much MRR you've lost in the last 90 days. Free, no install.
Four ideas in market validation. Read whichever ones you'd actually use.