Connect Stripe In Minutes
Add your restricted Stripe key, and recovery begins on the next failed charge. No migration, no developer time, no change to your billing stack.
Built For Stripe Subscription Businesses
Stripe Payment Recovery That Wins Back Failed Subscription Revenue
RetainPay AI connects to your existing Stripe account and retries recoverable failed payments on decline-code-aware timing. Recovered funds settle straight to you — you pay a 10% success fee only when we win the money back.
- No subscription fee
- Live in under 15 minutes
- Read-only Stripe key supported
Why Merchants Use RetainPay AI For Stripe Recovery
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.
Retries Timed, Not Guessed
Every retry is scheduled from the decline code, issuer behaviour and off-peak banking windows — never a fixed dunning calendar.
Full Recovery Visibility
Every attempt, decline reason and settled recovery is logged in your console, so finance can reconcile each recovered payment line by line.
Funds Settle To You
Recovered payments settle 100% into your own Stripe account. We invoice a 10% success fee monthly — nothing is deducted from your payouts.
How Stripe Payment Recovery Works
01
Stripe Webhook Connects
A failed invoice or payment intent reaches RetainPay AI the moment Stripe reports it.
02
Decline Code Analysed
Hard declines are excluded. Soft declines — insufficient funds, issuer velocity, temporary holds — are queued for retry.
03
Retry Scheduled
Up to three attempts, minimum one hour apart, inside off-peak windows, capped at 72 hours from the original failure.
04
Payment Recovered
The charge settles into your Stripe balance, the customer stays subscribed, and the recovery is recorded for billing.
Common Questions
- Does RetainPay AI replace Stripe Smart Retries?
- No. RetainPay AI runs as an overlay on your existing Stripe account. It adds decline-code-aware scheduling and a full recovery audit trail on top of what Stripe already does.
- What does Stripe payment recovery cost?
- There is no subscription and no setup fee. You pay a 10% success fee on revenue we actually recover, invoiced on the first of each month.
- How long does setup take?
- Most merchants are live in under 15 minutes: create an account, add a restricted Stripe key, and confirm the webhook.
- Which payments are retried?
- Only recoverable soft declines. Terminal declines such as stolen or closed cards are excluded, so customers are never chased pointlessly.
Recover Your Next Failed Stripe Payment
Connect Stripe today and RetainPay AI starts working on the next decline. You only pay when revenue lands back in your account.