1
Failure detected instantly
The moment Stripe, Paddle, or Chargebee fires a payment failure webhook, RetainFlow classifies it — soft decline, hard decline, expired card, or network error — and opens the right recovery path.
Payment Recovery
Stop Losing Revenue to Failed Payments
Up to 48% of SaaS churn is involuntary — customers who wanted to stay but whose cards failed silently. RetainFlow's smart retry engine, dunning sequences, and card updater recover up to 70% of that revenue automatically.
70%
avg. recovery rate
48%
of churn is involuntary
14 days
average recovery window
Used by 1,400+ bootstrapped SaaS teams · $180M+ recovered
70%
failed payments recovered
within 14 days of first decline
10%
ARR lift on average
from recovery alone, no new customers
<5min
to connect billing
OAuth with Stripe, Paddle, Chargebee
$180M+
revenue recovered
across 1,400+ SaaS teams
How it works
From failed charge to recovered revenue — automatically
2
Smart retries run in the background
ML models choose the optimal retry window based on pay cycles, time of day, issuer patterns, and your subscriber history. No rigid 3-day schedules — every retry is timed for maximum approval odds.
3
Dunning emails for hard declines
When a card is genuinely expired or blocked, personalised emails go out with one-click card update links — branded to your domain, timed to the customer's local timezone.
4
Payment Wall blocks unpaid usage
Past-due accounts are gated in-app with a branded Payment Wall — reminding customers to update their card without abrupt access cutoffs.
Recovery timeline
A complete dunning sequence, visualised
Every failed payment moves through an intelligent recovery pipeline. Here's what happens between the first decline and a recovered subscription.
Failure
Retry
Email
Recovered
FailureDay 0
Payment fails
Failure webhook received · Classified as soft or hard decline
RetryDay 0–2
Smart retry #1
ML picks optimal retry window · No email sent on soft decline
EmailDay 3
Dunning email #1
"Heads up — your payment didn't go through" · One-click update link
RetryDay 5
Smart retry #2
Card updater checks for refreshed credentials · Re-routes if available
EmailDay 7
Dunning email #2
Stronger urgency · Payment Wall activates in-app
RetryDay 10
Final retry + email #3
Last automated attempt · "Your access will end in 4 days"
RecoveredDay 14
Recovered ✓
70% of accounts recovered before this point · Subscription restored
↑ 70% of accounts recovered by this point
Full feature set
Everything that goes into recovering a failed payment
Smart Retry Engine
ML models analyse pay cycles, issuer patterns, time-of-day signals, and your own subscriber history to retry at the optimal moment — not on a rigid calendar.
ML-poweredAutomatic Card Updater
Network token services and card account updater automatically refresh expired or replaced card details before retrying — no customer action needed.
Personalised Dunning Emails
Emails sent in the customer's local timezone, branded to your domain, tailored to the decline reason. Hard declines get urgent card-update CTAs. Soft declines stay silent.
95+ sender scorePayment Wall
Dynamically gate past-due accounts in-app with a branded wall and one-click payment update flow. Prevent unpaid usage and recover 4–12% more payments.
Multi-Gateway Routing
Route retries through the processor with the highest historical success rate for a given card, issuer, and region. Not all gateways perform equally.
Decline Classification
Every failure is classified: soft (retry silently), hard (email immediately), blocked (pause retries). Different paths for different problems.
Precision Timing
Retries aligned to actual pay cycles — bi-weekly in the US, monthly in Europe, variable across APAC. Bank holidays excluded automatically.
GlobalSlack + Webhook Alerts
Get a Slack ping every time a payment is recovered. Connect to HubSpot, Segment, or Klaviyo via webhook for full pipeline visibility.
Recovery Analytics
Recovery rate by decline type, dunning sequence performance, revenue-at-risk forecasts, and cohort-level payment health — all in one dashboard.
Multi-Language Emails
Automatic AI translation delivers dunning emails in the customer's own language with a single toggle. No duplicate sequences, no manual localisation.
No-Code Setup
OAuth connect to Stripe in 30 seconds. Pre-written, optimised dunning email sequences live immediately. No engineering involvement required.
Exclusion Lists
Exclude high-touch accounts, enterprise relationships, or any segment from automated campaigns. Your customer base is not a monolith.
Smart Retries
The retry engine that actually understands why payments fail
Generic retry logic treats every failure the same. RetainFlow classifies each decline by type, issuer, geography, and customer context — then chooses the exact moment to retry where approval odds are highest.
- ✓Soft vs. hard decline classification on every failure
- ✓Pay-cycle aware timing — retries land when funds are available
- ✓Issuer-specific patterns: Visa UK behaves differently than Mastercard US
- ✓Every retry outcome feeds back into the model — it gets smarter over time
70% avg. recovery rate within 14 days
app.retainflow.com/recovery
Retry TimelineML-powered
Day 0alert
Payment fails
Soft decline — insufficient funds
Day 1retry
Smart retry #1
ML picks optimal window · 08:00 local
Day 3retry
Smart retry #2
Card updater checks fresh credentials
Day 5success
Payment recovered
$299 · Visa ••4242 · approved
Recovery rate70%
Dunning Emails
Emails customers actually open — and act on
Dunning emails fail when they feel automated. RetainFlow sends personalised, branded messages from your own domain at the right moment — with one-click card update links that take customers directly to their billing page.
- ✓Sent from your domain — never from a strange third party
- ✓Timed to the customer's local timezone for higher open rates
- ✓No emails on soft declines — avoids friction and churn risk
- ✓95+ sender score via dedicated transactional infrastructure
41% open rate vs. industry avg of 26%
app.retainflow.com/campaigns
RF
billing@yourproduct.com
Action needed: Update your payment method
Hi Sarah — we noticed a problem with your recent payment. No worries, it happens! Click below to update your card and keep your access uninterrupted.
Update Payment Method →
41%
Open rate
95+
Sender score
18%
Click rate
Local timezoneYour domainNo soft-decline emailMulti-language
Payment Wall
Block unpaid usage — without losing the customer
Past-due accounts that keep using your product without paying are a double loss. The Payment Wall blocks feature access tastefully, with a branded in-app prompt and a one-click update flow — recovering 4–12% more payments per campaign.
- ✓Fully configurable — when to show, what to gate, what to allow
- ✓Branded to your product with your own styles and domain
- ✓One-click payment update flow hosted on your subdomain
- ✓Real-time status sync — wall lifts the moment payment clears
+4–12% recovery lift per campaign
app.yourproduct.com/billing
Payment past due7 days
Your account has a payment issue
Update your billing details to continue using all features. Your data is safe.
Update Payment Now
Hosted on billing.yourproduct.com · SSL secured
Wall recovery lift+4–12%
Real results
Founders recovering revenue they didn't know they were losing
“Involuntary churn was $4K/mo from failed cards — nobody was even watching it. RetainFlow recovered $3,400 in the first month. Almost embarrassing how easy it was.”
Anna L.
Founder @ Formify
↑ $3,400 recovered in month 1
“Setup took 47 minutes including Stripe connect. First recovery happened 6 hours later. The smart retries alone are worth the entire subscription.”
Maya K.
Bootstrapped SaaS founder
↑ Live in under 1 hour
“Got a Slack ping every time a card recovered. $22K in month one. Recovering failed payments felt impossible before this — now it's completely automated.”
Priya R.
Nexlayer Founder · $80K MRR
↑ $22K recovered · first month
Stripe's Smart Retries only work within Stripe's own retry window and use Stripe's aggregate data. RetainFlow layers your own subscriber history on top, adds dunning emails, card updater, Payment Wall, and multi-gateway routing — recovering payments that Stripe's native logic misses.
// ready to recover
That revenue didn't fail. Your retry logic did.
Connect Stripe in 30 seconds. Pre-built dunning sequences go live immediately. Most founders recover their first failed payment within 24 hours.
Start Recovering Revenue Free →No card · 14 days full access · Success-based pricing after trial