You pay when
you recover.
Not before.

Most churn is not people quitting. It is cards that fail. Recova gets that revenue back. Stripe takes the payment. Recova wins back the ones that fail. 20% of what Recova recovers. Nothing until then.

Run your free auditSee it live
recovamrr.com/recovery/dashboard
Recovery queue
live
✕
Teamflow
insufficient_funds · step 1/4
$349
✕
Bolt Analytics
card_expired · step 2/4
$129
✕
Northstar Inc
do_not_honor · step 1/4
$599
Teamflow sequence
E1
R1
E2
R2
E3
R3
E4
Recovered
$0
Rate
0%
Active
3
Decline types
4
Demo · sample data

The revenue you're losing isn't showing up as churn.

Stripe's own data on failed payments and what happens next.

56%

of failed recurring payments are recovered by Stripe's tools on average. The other 44% doesn't come back without additional sequences.

Source: stripe.com/billing
1 in 4

subscription cancellations are purely due to payment failures. These customers never chose to leave, their payment just failed.

Source: stripe.com/blog
7 months

is how long recovered subscriptions continue on average. One recovered payment is not one month of revenue, it is most of a year.

Source: stripe.com/blog

Stripe plus Recova

What Stripe does, and what Recova adds on top.

Stripe does this
Automatic Smart Retries

Fixed retry schedule. No customer communication. No logic for why the payment failed. Soft decline, expired card, and fraud all treated the same.

Recova adds this
Intelligent 30-day sequences

AI-written emails timed to card network windows. Decline classification by soft, network, expired, and fraud, each handled with a different sequence.

Learn more
Stripe does this
Dispute notifications

Stripe emails you when a dispute opens and shows you a deadline. Evidence submission, response writing, and Stripe submission are all manual.

Recova adds this
Automated dispute responses

Evidence built from your recovery history, Stripe signals, and transaction data. Auto-submitted before the deadline. 20% only when you win.

Learn more

The gap Stripe leaves open

44% of failed payments
never come back.

Stripe's Smart Retries recover 56% on average. The other 44% needs something Stripe doesn't do: personalized email sequences, decline classification, and 30 days of follow-through.

Source: stripe.com/billing

How it works

Live in an afternoon. No code, no setup fees.

Connect Stripe

Read-only OAuth. 60 seconds. Recova never touches your billing configuration or existing Stripe setup.

Recova runs sequences

When a payment fails, Recova classifies the decline and starts a 30-day AI-written email sequence timed to card network retry windows.

Pay 20% of what is recovered

Monthly invoice for 20% of payments recovered that month. Nothing owed on failed recoveries. No minimums, no setup fees.

How much are you leaving on the table?

Adjust your MRR and see the estimated recovery. Recova takes 20% of what it recovers. Nothing if it recovers nothing.

$25,000
$1k$500k
Failed payments per month
~8% of MRR fails on average
$2,000
Stripe Smart Retries recover
56% average · stripe.com/billing
$1,120
Your recoverable opportunity
Each save worth ~7 months of LTV
$880
Recova recovers from that
Based on industry median recovery rates
$458
Recova outcome fee
20% of recovered only
-$92
Net revenue retained
Paid nothing upfront. Pay only on recovered revenue.
+$4,392/yr
+$366/mo

Stripe 56% recovery: stripe.com/billing · Recova: industry median · 7-month LTV: Stripe recovered-subscription longevity data

Get your actual numbers free

Free audit · No account required · Read-only Stripe access

Start with recovery.

Add the rest when you need it.

The actual email Recova would send

Pick a decline type and generate a real recovery email. Same AI, same prompts, same output as the product.

Live email generator
Calls real AI
Decline type

The same AI that writes your recovery emails. Try it on a real failed payment.

Common questions

  • No. Recova connects with read-only Stripe scope. It reads your failed invoices and subscription data. It never modifies payment methods, subscription logic, prices, or any other Stripe settings.

  • Replies go to your notification email, the one you set in Recova settings. Recova sends from your domain (or ours with your brand name) so replies come back to you, not a noreply address.

  • Recovery is 20% of payments Recova recovers each month, invoiced at the start of the following month. Disputes are 20% of disputes Recova wins. Intelligence is $199 per month flat. Audit is always free. You owe nothing for sequences that do not recover.

  • Yes. Every generated email is visible in your dashboard before and after it sends, with open and click tracking. You can customize tone and brand voice per decline category, or write your own subject lines.

  • Yes. Disconnect Stripe from your settings page and all active sequences stop immediately. No contracts, no minimum commitments. You are billed only for recoveries that already happened.

Read-only Stripe access
No card data stored
AES-256 encryption
CAN-SPAM compliant
US-based · US servers
From the blog
All articles

See what your Stripe account is leaking

Connect Stripe for a free diagnostic. Results in 30 seconds. No setup, no card.

Connect Stripe, it is free
No account required · Results in 30 seconds · Disconnect anytime
Stripe Billing · Stripe Checkout · Custom invoices · Stripe Subscriptions · Multi-account
View Recovery demo View Disputes demo