Failed Payment Recovery

Cut involuntary churn with gateway-aware retries and right-time prompts—onsite and via email.

Coming Soon

How It Works

Recover failed payments and reduce involuntary churn with our automated system.

1

Detect Issues

Monitor payment failures and billing issues in real-time.

2

Smart Retries

Execute intelligent retry sequences with optimal timing.

3

Notify Customers

Send targeted recovery emails and onsite prompts.

4

Recover Revenue

Track success and continuously optimize recovery rates.

Product Features

Reduce involuntary churn with smart payment recovery, automated retries, and customer-friendly communication.

Smart Detection

Automatically detect failed payments, expired cards, and billing issues in real-time to minimize involuntary churn.

Retry Logic

Intelligent retry sequences that optimize timing and frequency to maximize recovery without annoying customers.

Email Campaigns

Automated dunning emails with clear calls-to-action to update payment methods and resolve billing issues.

Onsite Prompts

Contextual payment update prompts when customers visit your site after a failed payment.

Payment Updates

One-step payment update flows — customers fix their billing details without jumping through hoops.

Success Tracking

Monitor recovery rates and identify which strategies work best for your customer base.

Start Setup

Failed payments can account for up to 35% of all churn (Stripe Churn Benchmarks, 2025), but most businesses let them slip away.

Failed Payment Recovery automatically retries payments and guides customers through resolution with intelligent dunning workflows.

Calculate Your ROI

Failed Payment Recovery FAQ

Everything you need to know about failed payment recovery with SubJolt.

SubJolt connects to your payment gateway and listens for failed charge events, expired card notifications, and billing errors as they happen. There's no polling or batch processing. When a payment fails, SubJolt knows immediately and kicks off the recovery sequence.

Dunning emails reach customers in their inbox after a payment fails, prompting them to update their payment method. Onsite recovery catches customers who visit your site and shows a contextual prompt right there. Best results come from using both: emails for outreach, onsite prompts for visitors who are already engaged.

Most failures are mundane: a card that expired, a number that changed when the bank reissued it, insufficient funds, or an issuer declining a recurring charge it doesn't recognize. Almost none of them are a decision to leave, which is why they respond to a retry and a well-timed prompt in a way a real cancellation doesn't. SubJolt retries the ones worth retrying and asks the customer only when a card genuinely needs updating.

Payment recovery runs server-side through your gateway's API, not in the customer's browser. If a retry or recovery prompt doesn't fire, your existing billing flow continues as normal. SubJolt adds a recovery layer on top of what you already have. It doesn't replace or interfere with your gateway's built-in retry logic.

Stripe, Shopify, Chargebee, Recharge, and Recurly. Each integration supports real-time failure detection, smart retry scheduling, and onsite update prompts. The specific retry strategies vary by gateway since each handles payment methods differently. Contact us if you need details on your specific setup.

More Reading

How to Reduce Subscriber Churn
Churn nobody chose and churn that need not be permanent are the two biggest recoverable slices, and what to do about each.
Churn Rate Benchmarks
What churn runs at by price point, industry, company size and billing period, with the panel behind every figure.
SaaS Churn Rate Benchmarks
SaaS churn by company size, customer size and pricing model, and why surveys and billing data disagree by forty points.

Explore the Full Platform

Recovering failed payments is one piece of the puzzle. Pair it with cancel flows, reactivation, and analytics to compound the retention impact across every revenue moment.

Cancel Flow Software

Customizable cancellation flows that lower churn automatically. Turn cancellations into saves with personalized offers, plan switches, and subscription pauses.

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One-Click Reactivation

Simple, onsite reactivation that customers love. Reduce your marketing costs and win back churned subscribers already on your site automatically.

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Analytics & Insights

Real-time churn analytics you can actually act on. Understand why customers leave — and stop it — without digging through spreadsheets.

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