For SaaS founders on Stripe, Square, or Braintree
Failed payments are quietly eating your MRR. Take it back.
Recoupe recovers the revenue your payment processor's retries leave behind. Works with Stripe, Square, and Braintree. AI-tailored emails that adapt to why each payment failed, warnings before cards expire, and a dashboard that shows the exact dollars saved. Set up in 5 minutes. $29/mo.
Read-only audit first · No card for 30 days · Cancel anytime
§01 The leak
5–10%
of subscription revenue dies to failed payments, and it never shows up as a cancellation. It just quietly stops arriving.
Subscription businesses typically lose 5–10% of revenue to failed payments.
Most of it is involuntary: expired cards, reissues, bank declines. Your customers didn’t cancel. Their cards did.
Your processor’s retries catch some. The rest needs a human-sounding nudge.
What's your leak?
Instant estimate · no email
You may be losing to failed payments
$500–$1,000 /mo
≈ $6,000–$12,000 a year, slipping out as expired cards and declines.
Industry estimate (5–10% of revenue), not your real number. The free 90-day audit reads your actual invoices and shows what your processor already recovered vs. what's still recoverable.
§02 How it works
1
Connect your processor
Works with Stripe, Square, or Braintree. Connect in a couple of clicks; revoke access from your processor dashboard at any time.
2
See your 90-day audit
What failed, what your processor auto-recovered, and what was lost. Real dollars, not percentages.
3
Arm recovery
AI-tailored email sequences that adapt to why each payment failed, plus expiring-card warnings on Stripe. Every word is editable and sends under your branding.
Connect → Audit → Arm. Five minutes, start to finish.
§03 See it in action
Every recovered dollar, on one honest ledger.
Recovered by Recoupe, recovered by your processor's retries, and still at risk each on its own line, across Stripe, Square, and Braintree, with the exact emails your customers receive.
§04 Honest by design
We only count an invoice as recovered if our email reached the customer before they paid. Recoveries from your processor's own retries are labeled as the processor's. You'll never wonder if the number is real.
The fine print ours, verbatim
“An invoice counts as recovered by Recoupe only if at least one Recoupe email was confirmed delivered before the invoice was paid. Payments that succeeded before any email reached the customer are credited to your payment processor's automatic retries.”
§05 Pricing
30-day free trial · no card required · unlimited recovery volume
If Recoupe doesn't recover at least 3× your subscription cost in your first 60 paid days, email us and we refund everything.
§06 Questions founders ask
My processor already retries. Why you?
Stripe, Square, and Braintree all have automatic retry systems that recover a meaningful share of failures, and we'll never claim otherwise. Recoupe recovers what those retries leave behind: human-sounding email sequences linking to a secure page where the customer can pay or fix their card, plus warnings before cards expire (on Stripe). Unlike most recovery tools that only work with Stripe, Recoupe supports all three, so you're not locked into one ecosystem.
Is this safe?
Stripe and Square connect via secure OAuth with nothing to paste; Braintree connects via OAuth or gateway API keys, which we validate read-only and store encrypted (AES-256-GCM). Either way you can revoke access from your processor dashboard at any time, and disconnecting wipes stored credentials. The audit is read-only in spirit: we read invoice history and send emails through our own infrastructure. We never move money and never touch card data payments and card updates are tokenized by your processor, not us.
How does the AI copy work?
When you use default email copy, Recoupe generates decline-reason-specific variants with AI, so an expired-card failure gets different copy than an insufficient-funds one. This uses your processor's decline codes: Stripe and Braintree expose them, Square doesn't (Square invoices get the well-tested default copy). The generation uses your default copy (as a voice anchor), the decline code, the invoice amount, and your customer's first name; what's shared with our AI subprocessor is disclosed in the Privacy Policy. Results are cached per reason, custom copy in Settings always takes precedence, and generation needs no extra config.
Will my customers get spammed?
No. Maximum 4 emails per failed invoice over 14 days, sequences cancel instantly when the invoice is paid, every email has one-click unsubscribe, and everything sends under your brand name with your reply-to.
What about Churnkey / Baremetrics Recover?
They're great at $50k+ MRR, and priced for it ($100–250+/mo). Recoupe is the $29 option for the rest of us.
When do things actually happen?
Your 90-day audit runs as soon as you connect your payment processor, and you'll get an email when the report is ready (usually within seconds). For recovery: the first email goes out within 1 hour of a failed payment, then emails 2–4 over 14 days aligned to 10am your timezone. We check for expiring cards every night and send one warning if we find one. Trial reminders go out at 7 days and 1 day before expiry.
§07 Where this goes
Digital money keeps growing. So does the money that fails in transit.
More of the world runs on digital payments every year cards, wallets, POS devices, recurring billing. Digital payments are on track to move roughly $37 trillion in 2026, and 2026 is the first year that half of all consumer payments worldwide run on card credentials. Payments have stopped being a feature and become core infrastructure.
When more money moves this way, more of it fails in transit expired cards, reissued numbers, declines, and timing gaps. Involuntary failure already accounts for 20–40% of subscription churn, and it scales with volume, not away from it. This problem doesn't shrink over the next decade. It compounds.
Recoupe's job is to be the layer that catches that failure now, and as it grows. We start where the pain is sharpest today: failed subscription payments on Stripe, Square, and Braintree. The direction from there is to follow the money wherever it stalls more processors and payment types, and eventually transfers and wires and to work the other side of the same problem, too.
Because a failed payment is rarely someone refusing to pay. It's a card that expired, or a paycheck that hasn't landed yet. So the long arc isn't only helping businesses recover it's helping the person behind the payment stay current: the subscriber, the customer, the tenant who wants to pay rent or a bill on time and needs a workable way to. Recovery for the business and a path for the payer are the same problem seen from two sides.
That's the direction, stated honestly as a direction. Today, Recoupe does one thing and does it well: recover the subscription revenue your processor's retries leave behind with attribution you can trust.
Stop donating MRR to expired cards.
Run the free 90-day failed-payment audit. Read-only, under 3 minutes, no card. If your processor already recovered everything, the report will say so.
Not on Stripe, Square, or Braintree? Not subscription-based? Email us. We might still be able to help with failed or late payments.