Stripe Payment Recovery

~30% of subscription churn is
failed payments. Recover them for $29/month.

When Stripe fires an invoice.payment_failed event, Recover routes it by decline code in under a second: hard declines get a card update email, soft declines enter a 7-day dunning sequence. A branded payment update page for every failed payment. An ROI dashboard showing exactly what you’ve recovered vs. the $29/mo cost. Your revenue agent can query recovery status, at-risk customers, and churn signals via MCP.

Start for $29/mo See how it works

14-day free trial. No credit card required. Cancel anytime from your Stripe dashboard.

13%
Stripe native email open rate
40%+
Recover email open rate
10–16x
average customer ROI multiple
$29
flat monthly, no revenue share

For AI agents

Query your Stripe recovery data from any MCP-compatible agent

Add Recover to your MCP config. Ask your agent for recovery status, at-risk customers, or a live revenue snapshot directly from your Stripe account.

claude_desktop_config.json 
{
  "mcpServers": {
    "recover": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://firmhound.com/mcp/fourthngoal"],
      "env": {
        "FIRMHOUND_API_KEY": "your_api_key"
      }
    }
  }
}
Example tool calls 
// Live recovery status across all active sequences
get_recovery_status()

// Customers currently in dunning sequences
get_at_risk_customers(threshold="high")

// MRR, recovery rate, and churn prevented this month
get_revenue_snapshot()

Documentation: fourthngoal.ai/docs  ·  MCP registry

How it works

One webhook. Automatic recovery.

Point your Stripe webhook at Recover. We handle the rest: decline routing, dunning emails, payment update pages, and recovery tracking.

1

Connect Stripe

Copy the webhook URL from your Recover settings page. In your Stripe Dashboard, go to Webhooks, click "Add endpoint," and paste it in. Takes 60 seconds. Add your webhook signing secret so Recover can verify every event before processing.

2

Route by decline code

When invoice.payment_failed fires, we classify the Stripe decline code. Hard declines (expired_card, stolen_card, account_closed) get an immediate card update email. Soft declines (insufficient_funds, authentication_required) enter the 7-day sequence.

3

Send dunning emails

Day 1, 3, 5, and 7 emails go out on a timed schedule. Each one is sent exactly once per failure event, guaranteed by atomic idempotency on your Stripe event ID.

4

Per-customer payment page

Every email links to a branded payment update page with a 128-bit token unique to that customer. They update their card via Stripe's billing portal. You never touch raw card data.

5

Track your ROI

The dashboard tracks total recovered, at-risk, and churned revenue, plus your ROI multiple: recovered dollars divided by the $29/mo you're paying us.

Comparison

The only tool at $29/mo with all three.

Dunning emails, branded payment update pages, and an ROI dashboard. Every competitor charges 5-10x more and still takes a cut of what you recover.

Tool Price Dunning emails Payment update page ROI dashboard Revenue share
Recover $29/mo Yes Yes Yes No
Stunning $50/mo Yes Yes No Scales with MRR
Churnkey $250/mo Yes Yes Yes Varies
Churn Buster $249/mo Yes Yes Yes Varies
Baremetrics Recover $158/mo Yes Limited Yes Varies
Stripe (native) Free No custom emails (13% open) No No N/A
Doing nothing $0/mo No No No ~30% of churned customers leave due to failed payments, not dissatisfaction

8x cheaper than Churnbuster. Same core features. Get started for $29/mo →

The math

It pays for itself when you recover $29

The ROI dashboard shows your multiple in real time. Here is what the numbers look like in practice.

Break-even
$29
Recover one failed monthly subscription of $29 or more and the tool pays for itself that month. Most accounts see this on day one.
Average ROI multiple
10–16x
At the industry average recovery rate, a merchant recovering $290–$464/mo in failed payments covers the full $29 cost with money left over.
Involuntary churn share
~30%
Roughly 30% of subscriber churn is involuntary, meaning failed payments, not dissatisfaction. Recover targets exactly this slice.
How the ROI multiple is calculated: total dollars recovered from previously-failed invoices, divided by your $29/mo subscription cost. Visible in the recovery dashboard under roiMultiple. If you recover $290 in a month, your ROI multiple is 10x. If you recover $464, it is 16x. The dashboard updates in real time as invoice.paid events come in from Stripe.
✔
Atomic exactly-once delivery
DB-level idempotency on Stripe event ID. No duplicate dunning emails under concurrent retries.
🔒
128-bit payment page tokens
Per-customer opaque tokens via crypto.randomUUID. Rate-limited to 20 req/min per IP.
🛡
GAUNTLET-1 audit: SHIP
Security findings reviewed and resolved before launch. Webhook HMAC verified before processing.
Pricing

One price. Unlimited recovery.

Flat monthly fee. No revenue share. No setup fee. No contracts. Cancel anytime from your Stripe dashboard.

Monthly Annual Save $60/yr
$29
per month
No revenue share. Ever.
  • Unlimited invoice.payment_failed events
  • 4-email dunning sequence (day 1, 3, 5, 7)
  • Hard vs. soft decline routing by Stripe failure code
  • Branded per-customer payment update pages
  • Recovery dashboard: ROI multiple, recovered, at-risk, churned
  • Atomic exactly-once email delivery
  • Works alongside Stripe Smart Retries
✔ You're on the list. We'll reach out within 24 hours.
Something went wrong. Email us at support@fourthngoal.ai

No credit card required. We review every application and respond within 24 hours.

Churnbuster is $249/mo. Stunning is $50/mo. We are $29. Annual: $288/yr, saving $60 vs. monthly.

FAQ

Common questions

Does this replace Stripe Smart Retries?
No. Stripe Smart Retries uses network-level card data to optimize retry timing, which only Stripe has. Recover handles the customer communication layer that Stripe's native emails cannot: branded dunning emails with 40%+ open rates vs. Stripe's 13%, plus a per-customer payment update page with a secure 128-bit token. Both run in parallel.
Can I try it before paying?
Yes. Early access includes a 14-day free trial. No credit card required to start. If Recover doesn't pay for itself in the first two weeks, cancel and owe nothing.
What Stripe failure codes do you handle?
We route by Stripe decline code on every invoice.payment_failed event. Hard declines (expired_card, stolen_card, lost_card, account_closed, fraudulent, blocked, and 10+ more) skip retries and get an immediate card update email. Soft declines (insufficient_funds, processing_error, authentication_required, timeouts) enter the full 7-day dunning sequence.
What if I'm not on Stripe?
Recover is currently Stripe-only. We rely on Stripe webhook events and the Stripe billing portal for payment updates. Paddle and Braintree support are on the roadmap. Email us if you want to be notified.
How do you send emails from my domain?
In Phase 2, we support custom from-addresses via Resend domain verification. For early access, emails come from recover@fourthngoal.ai with your product name in the subject line and a branded template using your colors.
Do I have to disable Stripe's native emails?
Yes. Stripe's native failed-payment emails average 13% open rates and have no payment update page. Sending both creates a poor customer experience and reduces recovery rates. We guide you through disabling Stripe's emails during setup, which takes about 30 seconds in your Stripe dashboard.
Who operates this service?
Recover is built and operated by Firmhound LLC. Questions: support@fourthngoal.ai