insufficient_funds
Temporary shortfall
82% recoverableAuto-retry
Official Stripe App Marketplace Partner
Stripe is where your
revenue lives.
RetainFlow is where
it gets protected.
Connect in 90 seconds. RetainFlow reads every Stripe webhook, interprets every decline code, and recovers revenue that Stripe's default retries miss — without you writing a line of code.
- ✓ No code required
- ✓ Live in 90 seconds
- ✓ Stripe App Marketplace
- ✓ SOC 2 ready
RetainFlow
Integration active
invoice.payment_failed receivedjust now
Decline code: insufficient_funds1s ago
AI retry scheduled: +4h 12m2s ago
Dunning email queued: template_33s ago
847ms
avg response time
99.98%
uptime
< 90s
time to live
Stripe's retries are good. They're not enough.
Stripe Smart Retries recover ~42% of failed payments. RetainFlow's AI layer pushes that to 74–84% — by reading the same signals, deeper.
Stripe Smart Retries
~42%
average recovery rate
- ✓ ML-based retry timing
- ✓ Webhook event delivery
- ✓ Basic decline code handling
- ✗ No decline code intelligence
- ✗ Single retry strategy for all customers
- ✗ No personalised dunning emails
- ✗ No churn risk scoring
What we add
RFRetainFlow + Stripe
74–84%
recovery rate with RetainFlow
- ✓ Per-decline-code retry logic (100+ codes)
- ✓ Customer behavioural pattern analysis
- ✓ Personalised dunning email sequences
- ✓ Smart retry timing beyond Stripe's window
- ✓ Pre-dunning card expiry alerts
- ✓ Involuntary churn scoring per customer
- ✓ Recovery analytics dashboard
Revenue impact
For $20k MRR SaaS:
Before: $1,740/mo lost
After: $452/mo lost
Recovered: +$1,288/mo
Based on 8.7% avg failure rate
Calculate yours →How RetainFlow reads your Stripe data
Every event. Every decline. Every recovery opportunity — handled automatically.
1
Stripe fires a webhook
invoice.payment_failed, customer.subscription.updated, charge.failed — we listen to 23 Stripe events across your entire billing lifecycle.
POST /webhooks/stripe
stripe-signature: t=1234,v1=abc...
{ "type": "invoice.payment_failed",
"data": { "decline_code": "insufficient_funds" } }2
We decode the decline
RetainFlow maps 100+ Stripe decline codes to recovery strategies. insufficient_funds gets a different playbook than do_not_honor or card_expired.
insufficient_funds82% recoverable
do_not_honor61% recoverable
card_expired94% recoverable
3
AI schedules the retry
Our model analyses the customer's payment history, time zone, day of week, and card network signals to pick the optimal retry window — not a fixed schedule.
T+4hT+26hT+72h
4
Dunning sequence fires
If retries don't resolve the failure, a personalised email sequence kicks in — tailored to the decline reason, the customer's plan, and their history with you.
Subject: Quick heads up about your RetainFlow subscription
Your card ending in ****4242 was declined — here's how to fix it in 30 seconds.
5
Revenue recovered. No code written.
When payment succeeds, RetainFlow updates the recovery log, notifies your Slack channel if connected, and never touches another customer who doesn't need it.
$149.00 recovered
1
Stripe fires a webhook
invoice.payment_failed, customer.subscription.updated, charge.failed — we listen to 23 Stripe events across your entire billing lifecycle.
POST /webhooks/stripe
stripe-signature: t=1234,v1=abc...
{ "type": "invoice.payment_failed",
"data": { "decline_code": "insufficient_funds" } }2
We decode the decline
RetainFlow maps 100+ Stripe decline codes to recovery strategies. insufficient_funds gets a different playbook than do_not_honor or card_expired.
insufficient_funds82% recoverable
do_not_honor61% recoverable
card_expired94% recoverable
3
AI schedules the retry
Our model analyses the customer's payment history, time zone, day of week, and card network signals to pick the optimal retry window — not a fixed schedule.
T+4hT+26hT+72h
4
Dunning sequence fires
If retries don't resolve the failure, a personalised email sequence kicks in — tailored to the decline reason, the customer's plan, and their history with you.
Subject: Quick heads up about your RetainFlow subscription
Your card ending in ****4242 was declined — here's how to fix it in 30 seconds.
5
Revenue recovered. No code written.
When payment succeeds, RetainFlow updates the recovery log, notifies your Slack channel if connected, and never touches another customer who doesn't need it.
$149.00 recovered
We speak Stripe's language fluently.
100+ decline codes. A unique recovery strategy for each one.
do_not_honor
Bank blocked transaction
61% recoverableAuto-retry
card_expired
Card past expiry date
94% recoverableCustomer action
lost_card
Reported lost
0% recoverableCustomer action
stolen_card
Reported stolen
0% recoverableCustomer action
generic_decline
Unspecified bank refusal
45% recoverableEmail first
card_velocity_exceeded
Too many attempts
71% recoverableAuto-retry
currency_not_supported
Card currency mismatch
88% recoverableAuto-retry
try_again_later
Temporary bank issue
79% recoverableAuto-retry
fraudulent
Suspected fraud
5% recoverableCustomer action
pickup_card
Card held by bank
2% recoverableCustomer action
processing_error
Stripe gateway error
91% recoverableAuto-retry
RetainFlow maps every Stripe decline code to a recovery strategy. Hard declines (stolen, fraudulent) skip retries automatically — protecting your dispute rate.
From zero to recovering revenue in 90 seconds.
Install from Stripe Marketplace
Find RetainFlow on the official Stripe App Marketplace. Click Install. No API keys to copy. No webhook URLs to configure. Stripe handles the auth.
apps.stripe.com
RetainFlow
Payment recovery & dunning
Choose your recovery settings
Set your retry preferences, email sequence tone, and notification channels. We pre-fill sensible defaults based on your MRR tier — you can go live immediately.
Smart retry timing
Dunning email sequence
Slack notifications
Watch revenue recover
RetainFlow begins learning from your payment patterns immediately. Your first recovery dashboard update happens within 24 hours of your first failed payment.
Recovery rate+23%
Connect Stripe — It's Free to Start →
No credit card. No engineering time. Cancel anytime.
74–84%
average recovery rate with RetainFlow
< 90s
from Stripe install to live
100+
Stripe decline codes handled
$0
engineering time required
We were recovering about 31% of failed payments with Stripe's built-in retries. RetainFlow pushed that to 79% in the first 30 days. That's $2,100/mo we were just leaving on the table.
Stripe is just the beginning.
RetainFlow is building deep integrations across the billing ecosystem.
Stripe
LiveChargebee
Coming Q3 2025Paddle
Coming Q3 2025Recurly
PlannedBraintree
PlannedLemon Squeezy
PlannedReady to recover your revenue?
Stop leaving money in Stripe's retry queue.
Every day without RetainFlow is another day of failed payments that won't be retried at the right time, with the right message, to the right customer.
Connect Stripe Now — Free →