Failed recurring payments quietly drain revenue before anyone calls it churn. We built an autonomous agent that retries intelligently, reaches out to customers, and recovers the money — without adding finance ops headcount.
One Stripe webhook integration. The agent handles classification, retry timing, customer outreach, and reporting.
Stripe fires invoice.payment_failed. The agent
receives it in milliseconds and classifies the decline type.
Soft (insufficient funds), expired card, or hard decline — each follows a different recovery path automatically.
Soft declines are retried at optimal windows. Expired cards trigger an email with a direct payment-update link.
When a customer updates their card, the agent retries all pending failures within seconds — no scheduler delay.
Full recovery queue, recovered revenue, and rate metrics available via dashboard and daily email digest.
Not all payment failures are the same. Generic dunning treats them identically. We don't.
Temporary — retry automatically at optimal intervals. Up to 3 attempts before escalation.
Card update needed — send email outreach immediately with a Stripe-hosted update link.
Unknown soft signals — attempt retry, then email outreach if charge fails. 24h cooldown prevents spam.
Hard stops — no automatic retry. Routed to manual review queue immediately to avoid further friction.
Stripe's built-in smart retries are a starting point. Recovery requires more.
| Capability | Stripe Smart Retry | Brains4Ai Recovery Agent |
|---|---|---|
| Automated retries | ✓ | ✓ With decline classification |
| Customer email outreach | Basic | ✓ Timed outreach with update link |
| Instant retry on card update | ✗ | ✓ Fires within seconds |
| Hard decline routing | Retries anyway | ✓ Blocked, sent to manual review |
| Recovery rate dashboard | Limited | ✓ Full queue, rate, recovered $ |
| Admin override | ✗ | ✓ Manual retry + outreach endpoint |
| Finance headcount needed | Still needed | ✓ Zero |
One integration. 30 days. No risk — if there's no measurable lift over your baseline, there's no story. We'll show you the exact scope, KPIs, and reporting layout before you commit anything.
Pricing model
Success-fee or hybrid — structured around your recovered revenue lift. We win when you win.
Works best for
SaaS, API products, and developer tools with recurring subscription billing at meaningful volume.