Failed-payment recovery when you're not on Stripe

Read any guide on failed-payment recovery and it quietly assumes one processor: Stripe. Every screenshot, every API reference, every tool. But a large share of small SaaS and subscription businesses bill through Square or Braintree and they lose the exact same 5–10% of recurring revenue to expired cards and declines, with far fewer tools built to help.

The leak is processor-agnostic

The mechanism doesn't care whose API runs the charge. A card expires, a bank declines, a reissued number stops working and a customer who still wants your product silently drops out of revenue. Stripe, Square, and Braintree each retry automatically and each mark the invoice or subscription past-due. What none of them do is send the human-sounding email that gets the customer to update their card.

Why the tools are Stripe-only

Recovery vendors build where the volume is loudest, and that's Stripe. Churnkey and Baremetrics Recover both sit on Stripe's API. So a business on Square Subscriptions or Braintree is left doing recovery by hand or not at all even though the recoverable dollars are identical.

What a cross-processor loop looks like

• Detect the failure the moment it happens, via each processor's webhooks (Stripe invoice events, Square past-due, Braintree subscription webhooks)
• Email the customer within the hour, linking that processor's own hosted payment/update page you never touch card data
• Follow up 3–4 times over ~14 days, tuned to the decline reason, and stop the instant the payment clears
• Count recoveries honestly: credit the processor's automatic retries to the processor, and only count an email-driven recovery when an email was delivered before payment

One ledger, three processors

Recoupe added native Square and Braintree support in July 2026 alongside Stripe: OAuth/connect for each, failure detection through each one's webhooks, decline-aware email sequences that link the right hosted pay page, and the same attribution ledger across all three. Same $29/mo flat not scaled by MRR, not a percentage of what's recovered.

If you've been assuming recovery 'wasn't a thing' on your processor, it is the leak just went unaddressed because the tooling pointed elsewhere. The audit is read-only and works on whichever processor you run.

Run a free 90-day audit on Stripe, Square, or Braintree →