Agentic dunning for recurring revenue

Recover the revenue your failed card payments are quietly leaking

PayRescue detects declined Stripe charges, runs a smart retry ladder, and sends tone-laddered recovery emails with a one-click card-update link — then shows you the dollars it brought back.

Start recovering → See how it works

Free to start · pay only when we recover · connect Stripe in minutes

How much are you leaking?

Monthly recurring revenue ($)

Involuntary churn rate (%)

You're losing ≈ $3,200/mo

Failed cards silently cause 5–15% of SaaS churn. PayRescue typically wins back 50–70% of it.

The silent leak

Most churn isn't customers leaving. It's cards failing.

Expired cards, insufficient funds and bank declines quietly cancel customers who never meant to go. By the time you notice, the revenue — and the relationship — is gone.

5–15%

of churn is involuntary

Failed payments, not unhappy customers — the most recoverable churn you have.

~$0

recovered by default

Stripe retries a couple of times and gives up. No emails, no card-update nudges, no escalation.

Days

of revenue slipping away

Every day an invoice sits unpaid is a day closer to a customer you'll never win back.

How it works

Three steps to stop the leak

Connect once. The agent runs the recovery loop for you — detection, retries and messaging — and reports the dollars back.

Connect Stripe

Read-only to start. PayRescue ingests failed invoices the moment a charge is declined via the invoice.payment_failed webhook.

Smart retries

An escalating retry ladder reattempts the charge at the moments most likely to succeed — not Stripe's blunt default schedule.

Recovery sequences

Tone-laddered emails (gentle → firm → final) go out with a one-click card-update link, until the invoice is paid or written off.

Features

A full recovery agent, not a reminder

Everything needed to turn a declined charge back into collected revenue — automatically.

🔎

Failed-charge detection

Real-time ingestion of declined invoices with the actual decline reason — card_declined, insufficient_funds, expired_card and more.

🪜

Smart retry ladder

An escalating +1d / +3d / +5d / +7d schedule that retries at high-yield moments and gives up gracefully when a card is truly dead.

✉️

Tone-laddered emails + card link

Gentle, reminder, firm and final messages — each with a hosted card-update link so customers fix it in one click.

📊

ROI dashboard

$ at risk, $ recovered, recovery rate and $ written off — see exactly what PayRescue earned back this month.

Your dashboard

Watch the money come back

The same recovery view you'll log into — live KPIs, the retry ladder per invoice, and the drafted emails going out.

$18,700

$ at risk (12 open)

$11,940

$ recovered (23)

63.8%

recovery rate

$6,780

$ lost (9)

Bluefin Analytics · $49.00 · insufficient_fundsopen · 2/4

Loomctl · $99.00 · processing_errorrecovered

Harborstack · $199.00 · card_declinedwritten off

Pricing

You pay only when we recover

Start free. No recovery, no fee — PayRescue is incentivized to bring your revenue back.

Performance

20–25% of recovered revenue

Pure pay-for-results. We only earn when a failed payment is actually recovered.

Free to start — no card required
Full retry ladder + recovery sequences
ROI dashboard with $ recovered
You pay only on recovered revenue

Start recovering

Flat

$49/mo + lower %

Predictable base fee plus a reduced share of recovered revenue — best at higher volumes.

Everything in Performance
Lower percentage on recovered revenue
Predictable monthly cost
Priority support

Start free

Free to start — pay only on recovery. Cancel anytime.

FAQ

Questions, answered

You connect your Stripe account. PayRescue ingests failed invoices in real time via the invoice.payment_failed webhook and acts on them automatically — no engineering work on your side.

On the Performance plan you pay 20–25% of revenue we actually bring back from failed payments. If nothing is recovered in a period, you pay nothing. The Flat plan is $49/mo plus a lower percentage.

No. Messaging is a measured, tone-laddered sequence (gentle → reminder → firm → final) that stops the moment the invoice is paid or written off. Each email contains a one-click card-update link.

Subscription SMBs, niche SaaS founders, and billing/finance ops teams at any recurring-revenue business losing money to involuntary churn.

PayRescue never stores raw card numbers — card updates happen on Stripe's hosted, PCI-compliant pages. We process only the billing metadata needed to run recovery, as a data processor on your behalf. See our Privacy Policy.