2000
Do Not Honor
Bank generic refusal — often temporary
55% recoverableSoftAuto-retry
PayPal Ecosystem · Enterprise Gateway
Braintree handles
your payments.
RetainFlow handles
what Braintree misses.
Braintree's built-in retry logic is static and rules-based. RetainFlow adds an AI recovery layer that reads every 2xxx processor response code, interprets PayPal decline signals, and personalises dunning across Visa, Mastercard, Amex, and PayPal Wallet — all without touching your existing Braintree setup.
- ✓ Works with existing Braintree setup
- ✓ PayPal & card recovery
- ✓ Multi-currency support
- ✓ No code required
RF
Recovery active
subscription_charged_unsuccessfully firedjust now
PayPal payment: funding_declined1s ago
2001: Insufficient Funds — soft decline2s ago
AI retry window: T+6h (payday signal)3s ago
9
webhook kinds monitored
2000+
processor patterns handled
4
payment methods
Braintree retries by schedule. We retry by signal.
Braintree's native retry logic retries on a fixed schedule regardless of why the payment failed. A 2001 soft decline and a 2004 hard decline get treated the same way. RetainFlow reads the code and acts differently for each.
Braintree native retries
Day 0
Payment failed: 2001 Insufficient Funds
Day 3
Retry #1 — failed again
Day 7
Retry #2 — failed again
Day 14
Retry #3 — subscription cancelled
Subscription cancelled
Same schedule for all decline types. No personalisation.
What we do differently
RFRetainFlow + Braintree
Day 0
2001 detected → classified as soft decline
Day 0
Payday pattern analysis: retry Friday evening
Day 2
Smart retry #1 — RECOVERED ✓
Day 3
Braintree would retry here — already recovered
Revenue recovered 5 days earlier
◆ Soft vs Hard decline classification◆ PayPal funding source detection◆ Cross-method fallback offers
How RetainFlow connects to your Braintree account
No migration. No re-keying subscriptions. Works on top of your existing setup.
Connect via Braintree API credentials
Add your Merchant ID, Public Key, and Private Key. RetainFlow uses them once to configure a secure connection, then discards them. Credentials are never stored raw.
Merchant ID
bt_merchant_••••••••
Public Key
pk_••••••••••••••
Private Key
••••••••••••••••
Environment
● Production
End-to-end encrypted
- subscription_charged_unsuccessfully
- subscription_went_past_due
- subscription_canceled
- subscription_expired
- subscription_trial_ended
- subscription_went_active
- transaction_settled
- account_updater_daily_report
- dispute_opened
9 event kinds · real-time delivery
RetainFlow registers your webhook endpoint
We configure the webhook subscription automatically — you don't touch the Control Panel. We monitor 9 Braintree subscription and transaction event kinds from day one.
We classify every processor response code
A 2001 soft decline gets retried automatically. A 2004 hard decline triggers an immediate customer email. RetainFlow makes this distinction for every transaction.
2001 · Insufficient Funds
Soft · Auto-retry in 6h
2004 · Expired Card
Hard · Email customer now
2000 · Do Not Honor
Soft · Retry + dunning
VisaMastercardAmexDiscoverPayPalVenmo
+ ACH bank transfers
Recovery spans all your payment methods
Braintree merchants accept more than cards. RetainFlow handles Visa, Mastercard, Amex, Discover, PayPal Wallet, Venmo, and ACH — method-specific messaging for each.
Revenue recovered. Braintree unchanged.
RetainFlow never modifies your Braintree subscription objects or payment methods. We operate as a recovery layer — reading events, scheduling retries via Braintree's API.
71–81%
average payment recovery rate on Braintree
vs ~35% with Braintree static retries alone
Live for Braintree merchants
Every 2xxx code has a recovery strategy.
Braintree's processor response codes tell us exactly how to act. We've mapped every major code to the right playbook.
2001
Insufficient Funds
Customer account balance too low
78% recoverableSoftAuto-retry
2002
Limit Exceeded
Card spending limit reached
71% recoverableSoftAuto-retry
2003
Activity Limit Exceeded
Too many transactions this period
66% recoverableSoftAuto-retry
2004
Expired Card
Card past its expiry date
96% recoverableHardEmail first
2005
Invalid Card Number
Card number format invalid
4% recoverableHardCustomer action
2010
CVV Declined
Security code mismatch
18% recoverableHardCustomer action
2015
Transaction Not Allowed
Card restricted for this transaction type
31% recoverableHardEmail first
2038
Processor Declined
Catch-all bank refusal (Visa/MC Cat 2–3)
42% recoverableSoftAuto-retry
2046
Declined
Bank refused, no specific reason given
48% recoverableSoftAuto-retry
2047
Call Issuer
Bank requires voice authorisation
8% recoverableHardCustomer action
3000
Network Unavailable
Processing network temporarily down
92% recoverableSoftAuto-retry
Hard declines skip retries automatically, protecting your dispute rate and Visa/MC network fees. Soft declines get intelligent retry timing based on the code, customer history, and network signals.
Braintree merchants have an advantage most don't use.
Because Braintree is PayPal's gateway, your customers often have a PayPal or Venmo account on file — even when their card fails. RetainFlow detects this and offers a one-click payment method switch before the subscription lapses.
Card ✕PayPal
Automatic fallback offer
When a card declines and the customer has a PayPal wallet on file, RetainFlow detects this and sends a one-click fallback email — no card update needed from the customer.
31% of Braintree card failures have a PayPal fallback available
Venmo-specific dunning
Venmo failures have different resolution patterns than card declines. RetainFlow sends Venmo-specific recovery messages — not generic 'update your card' copy.
Venmo failures resolve 2.3× faster with method-specific messaging
ACH failure handling
ACH returns (R01–R29) have their own Nacha return codes. RetainFlow maps each to the correct customer communication and times outreach to the 2–5 business day Nacha return window — not sent immediately like card failures.
ACH outreach timed to Nacha return window — not sent immediately
Most dunning tools treat every failure as a card problem. RetainFlow knows whether it's a card, PayPal balance, Venmo limit, or ACH return — and responds differently.
4 payment methods. 4 recovery playbooks.
0–81%
payment recovery rate on Braintree accounts
0
Braintree webhook event kinds monitored
0
payment methods covered (card, PayPal, Venmo, ACH)
< 5 min
setup time for existing Braintree merchants
We'd been on Braintree for four years and assumed payment failures were inevitable. RetainFlow connected in under ten minutes and recovered $3,200 in the first month — mostly PayPal transactions we didn't even know were failing silently.
Braintree is just one of our payment integrations.
RetainFlow recovers revenue across the major billing processors.
Braintree
LiveStripe
LiveChargebee
Coming Q3 2025Paddle
Coming Q3 2025Recurly
PlannedLemon Squeezy
PlannedAlready on Braintree?
Your existing Braintree setup.
Our recovery intelligence on top.
No migration. No new payment setup. No engineering time. RetainFlow connects to your live Braintree account and starts recovering revenue within 5 minutes.
Connect Braintree — Free to Start →- ✓ PayPal Ecosystem
- ✓ No migration
- ✓ Works in 5 minutes
- ✓ Guaranteed ROI