Connect your payment provider and let RetainPay automatically retry failed subscription payments at optimal times. Safe, reliable, and designed to recover lost revenue.
RetainPay AI is an automated payment recovery layer that works above your payment gateway. Failed payments are normalised, assessed and retried on evidence-based timing — and recovered funds settle straight to you. Stripe, Adyen and GoCardless direct debit are live today; further providers are on the roadmap.
Failed payments are a billing problem, not a marketing problem. RetainPay AI treats every decline as a scheduling decision backed by an audit trail your finance team can verify — whichever gateway processed the payment.
RetainPay AI sits above your payment gateway, not inside it. A gateway abstraction layer normalises failed-payment events from any provider into one recovery pipeline, so you keep the gateway, processor and billing stack you already run.
Each retry is scheduled from the normalised decline reason, issuer behaviour and off-peak banking windows — never a fixed dunning calendar. Up to three attempts, minimum one hour apart, capped at 72 hours from the original failure.
Every attempt, decline reason, retry decision and settled recovery is logged in your console with a machine-readable rationale, so finance can reconcile each recovered payment line by line.
Recovered payments settle 100% into your own merchant account. We invoice a 10% success fee on the first of each month — nothing is ever deducted from your payouts.
The same four stages run for every connected gateway. Only the inbound event format differs — the recovery logic, controls and reporting are shared.
A failed invoice or payment attempt is received from your gateway the moment it is reported, through a webhook or an API connection.
Provider-specific decline codes are translated into a single normalised taxonomy. Terminal declines are excluded; recoverable soft declines are queued.
The engine selects the retry window, enforces attempt limits and applies duplicate-charge controls so a customer is never charged twice for the same obligation.
The charge settles into your own account, the customer stays subscribed, and the recovery is recorded for reporting and success-fee accounting.
We are deliberately transparent about what is live and what is planned. Stripe, Adyen and GoCardless direct debit are live today. The remaining integrations below are roadmap items and are not yet available.
Both integrations are live. Connect your provider credentials, confirm the webhook, and recovery begins on the next failed charge.
Worldpay and further card gateways are planned. These are roadmap items and are not live yet.
Returned Bacs and SEPA direct debit collections are recovered on the existing mandate, re-presented on working-day timing built for bank rails rather than card rails.
Connectors for subscription billing platforms and marketplace payouts are planned to extend the same recovery pipeline.
An illustrative worked example for a £50,000/month subscription business. Figures are illustrative and are not a guarantee of results.
Everything you need to know about how RetainPay AI recovers failed payments.
10%
Success Fee — No Upfront Cost
24/7
Automated Recovery
<5 min
Setup Time
99.9%
Uptime SLA
Enterprise-grade payment recovery built for subscription businesses of all sizes.
Automatically analyzes decline codes and identifies the best recovery strategy for each failed payment.
Schedules retries during banking hours when card issuers are most likely to approve transactions.
Every retry uses unique idempotency keys to prevent duplicate charges and ensure safe transactions.
Monitor recovery performance with live updates and comprehensive analytics on your payment health.
Encrypted API keys with industry-standard security. Row-level security and role-based access control on all data.
Connect your payment provider in minutes. No code changes required to start recovering revenue.
The global digital subscription market is worth over £200bn. When UK and US merchants bill customers in Africa, LATAM or the Middle East, failure rates spike from 5% to over 25%. RetainPay AI fixes that.
£0bn+
Global subscription market
0%+
Emerging market failure rates
5×
Higher recovery vs manual retry
Total Revenue Recovered
£0.00M
and counting — recovered autonomously by RetainPay AI
LiveOnly pay when we recover revenue for you. No hidden fees.
No setup fees. No monthly minimums. You only pay when we recover.
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Join hundreds of subscription businesses using RetainPay to automatically recover failed payments and reduce involuntary churn.