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Failed-payment recovery for subscription businesses

Your subscribers aren't leaving. Their payments are failing.

When a subscription charge fails, your processor retries a few times, then gives up — and a subscriber who never meant to leave is gone. Swipe Again picks up where they stop: decline-code-aware retries, human-sounding email + SMS + voice follow-up, and cancel-deflection pages that save customers before they leave.

Start trial

Free 14-day trial · No code · Cancel anytime

Listed on Stripe App Marketplace — install directly from your Stripe Dashboard

Or watch it work first →

$50,000
5k500k
Lost after your processor gives up$3,750/mo
Swipe Again recovers about$1,875/mo
$22,500 back in your pocket / year

Based on 2026 subscription benchmarks: ~7.5% of recurring charges fail, and a dedicated recovery layer recovers 50–60% of failed payments (published benchmarks). Your trial shows your real numbers.

How it works

Three steps. Zero manual work.

Connect once. From then on, every failed payment is handled — you just watch the recovered revenue roll in.

01

Connect in 2 minutes

Just log in to Stripe — no code, no developer, no theme changes. If you can install an app, you can install Swipe Again.

02

We detect, retry & follow up

Every failed charge is sorted by decline code. Soft declines get retried on the schedule most likely to succeed, and customers get short, human follow-up — email day 1/3/7, SMS day 1/7, a voice call on day 5 for high-value accounts — all with a one-click payment-update link.

03

You keep the revenue

Your dashboard shows every recovered dollar, every retry, every win. Track involuntary churn as recovery happens — in real time.

Start trial

Free 14-day trial · Cancel anytime

Merchant dashboard — the experience

Open it, and you just know.

This is the actual dashboard your trial opens to. Four numbers tell the whole story — failed payments, failed volume, recovered revenue, recovery rate — over a live chart of money won back.

The real Swipe Again merchant dashboard — KPI cards and recovered-revenue chart (demo store data)

The real merchant dashboard — live product, demo store (Bloom & Branch) data shown.

This is the real dashboard. Open the live demo →

Every failure, one table

Date, amount, decline code, live status — soft declines show as retrying, wins flip to recovered as the engine lands them.

No black box

A plain-English timeline of every attempt: which retry ran, what the bank said, what happened next. The defaults never show you this.

Every dollar attributed

Recovered revenue is counted payment by payment, so you always know exactly what the engine earned you — and what it cost: $179 flat.

Customize with a click

Live in minutes. No humans required.

No onboarding calls. No implementation project. No "book a demo" just to see a price. You connect, you click, you're live — and every change after that is a click in your own settings, never a support ticket.

01

Connect

One OAuth click for Stripe, a key paste for everyone else. About two minutes — no code, no developer, no theme edits, no kickoff call.

02

Click in your brand

Name, brand color, and the words themselves — set in Recovery Settings with live previews as you go. What you click is exactly what your customers get.

03

Done

The engine runs itself from there. Turn on SMS, rewrite a script, change a day's message — all clicks, all instant, all yours. Nobody to schedule, ever.

Start trial See the brand experience ↓

Free 14-day trial · First charge day 15 · Cancel in two clicks

Brand customization — the experience

Every day of the flow, in your brand.

Pick a day — Day 1, Day 3, Day 7 — and that day's email and its matching text are a pair: written to work together, in your name, your brand color, your words. Your customers never see Swipe Again.

One selector. The whole day changes.

Tap Day 1, Day 3, or Day 7 in the Toolkit and the email preview and the paired text editor swap together — exactly what your customer receives that day, nothing else.

  • Paired by day — each day's email and text escalate gently, as one conversation
  • Your color everywhere — one click sets the brand color on buttons and accents
  • Scripts in your voice — edit any message; your brand, the amount, and the update link fill in automatically
  • Expired cards get their own flow — a dedicated Day 1/3/7 email + text pair, no pointless retries on a dead card
Top of Recovery Settings — Smart Recovery status, branded sender settings, and your brand color (demo store shown)

The real Recovery Settings — Smart Recovery status and branded sender settings, demo store (Bloom & Branch) shown.

The dashboard

Recovered revenue, in real time.

Every dollar the retry engine wins back, charted as it happens.

Failed payments

142

Failed volume

$21,480.00

Recovered revenue

$15,842.00

Recovery rate

73.8%

The recovery engine is live: retries run on a decline-code-aware schedule and dunning emails go out on day 1, 3 and 7.

Recovered per day

$0 $250 $500 $337 9/20 9/21 9/22 9/23 9/24 9/25 9/26 9/27 9/28 9/29

Sample data shown — your dashboard fills with your real numbers the moment you connect.

The engine

Built for one job: getting you paid.

Decline-code intelligence

Not all failures are equal. Expired cards, insufficient funds, and bank declines each get their own recovery playbook — expired cards get a branded email with a secure card-update link, timed to when the customer is most likely to act — because the reason it failed determines how you win it back.

Smart retry scheduling

Retries timed to the failure reason, not a dumb fixed schedule. An insufficient-funds decline retried on payday beats the same card retried an hour later. More wins, fewer annoyed customers.

Dunning emails that sound human

Short, plain-spoken sequences with a one-click payment-update link — in your brand voice, not a robot's. One helpful nudge beats a dead subscription.

Recovery dashboard

Every recovered dollar, attributed. See exactly what Swipe Again earns you, which failure reasons pay best, and where your leak is shrinking.

SMS recovery

Text messages get opened. When email isn't enough, a short TCPA-compliant SMS with the same one-click fix finishes the job — day 1 and day 7, with instant STOP handling.

Voice call dunning

For high-value customers, a personal phone call on day 5 — a natural voice message with your branding, not a robocall. The customers worth calling get called.

Expired-card flows

Expired cards can never be retried into working — so they get their own dedicated flow: direct "your card expired" messaging across email AND SMS (day 1, 3, 7), with a one-click update link, sent within minutes of the failure.

Second pillar

Not every cancellation has to happen.

Failed payments are involuntary churn — customers who wanted to stay. But some customers choose to leave, and half of them would stay for the right offer at the right moment. Swipe Again catches them at the cancel button.

01

Deflection page, not a dead end

When a customer hits cancel, they land on your branded page — not a cold confirmation. A short reason survey (7 common reasons) takes 10 seconds and tells you exactly why they're leaving.

02

The right save offer, automatically

"Too expensive" gets a discount. "Taking a break" gets a pause. "Not happy" gets a make-it-right offer. Each reason maps to the offer most likely to keep that customer — and the moment they accept, Swipe Again applies it for real: the coupon lands, the pause is set, no tickets, no manual steps, no follow-up chores.

03

Save-rate analytics

See which reasons drive cancellations, which offers save the most customers, and your deflection rate over time. Voluntary churn becomes a number you can move — not a mystery.

And it actually happens — accepted offers and cancellations are executed on your billing platform itself, automatically, across Stripe, Recharge, Chargebee, Recurly, Paddle, Seal, Skio, and Braintree.

How cancel deflection works — the full guide →

Start trial — both pillars included

Free 14-day trial · No code · Cancel anytime

The math

Failed payments are a line item.
Start treating them like one.

7.5%

of subscription charges fail every billing cycle — cards expire, funds run short, banks blink.

45–60%

of those failures are recoverable with a dedicated recovery layer. Without it, they're written off as "churn."

$179

flat. No percentage of recovered revenue, no tiers, no surprises. Recover four $49 orders — or a single $179 one — and we've paid for the month.

Benchmarks from 2026 subscription data. Your store's real numbers appear in your dashboard during the trial.

The old way

Recovery software used to hurt.

Legacy dunning tools were built to be sold by sales teams, not bought by operators. Here's the bill you used to pay — in time, calls, and control — before a single payment was recovered.

The legacy way

  • Pricing hidden behind a sales call — "book a demo" just to see a number
  • A contract to sign before you've recovered a single dollar
  • Implementation measured in weeks, with their team on your calendar
  • Prices that climb with your MRR — or a percentage of every dollar recovered
  • Recovery emails from the vendor's templates — your name pasted into their voice
  • One fixed cadence for every customer, whatever the decline reason
  • Every change is a ticket, a call, or a "professional services" line item

The Swipe Again way

  • One public price — $179/mo flat, on this page, no call required
  • Self-serve 14-day trial — card upfront, first charge day 15, cancel in two clicks
  • Live in minutes — connect, click your brand in, done
  • Never a percentage of recovered revenue — every dollar recovered is yours
  • Per-day branded email + matching text, written in your voice
  • Decline-aware timing — each failure reason gets its own playbook
  • Every change is a click in your settings — no humans required

Already on Stripe? Keep it — Stripe is a great processor. Swipe Again extends it with the recovery layer it doesn't ship: decline-aware retries, branded follow-up, and a dashboard that shows every dollar.

On Churn Buster today? See how the Churn Buster alternative compares — flat pricing instead of MRR pricing, a self-serve trial, and your brand on every message.

Start trial

Free 14-day trial · Recover $179 in 30 days, guaranteed — or Swipe Again is free the next 30 days.

$179/mo

Billed monthly. Cancel anytime.

  • Unlimited failed-payment recovery
  • Cancel deflection included — save offers that execute on your platform
  • Auto-connect setup in minutes — branded and customizable, no sales call
  • Decline-code-aware smart retries
  • Branded card-update emails
  • Human-sounding dunning emails
  • Recovery dashboard with every dollar attributed
  • All integrations, present and future
  • Cancel anytime — your data exports with you
Start trial

Free 14-day trial · No charge until day 15 · Cancel anytime

Also available on the Stripe App Marketplace

The first-30-days guarantee. Recover $179 in 30 days, guaranteed — or Swipe Again is free the next 30 days.*

*Measured on total recovered revenue, as defined in Section 3 of our Terms. See how we count.

How billing works: your 14-day free trial starts when you subscribe — a card is required upfront, but your first charge lands on day 15. After that it's $179/month, or $1,799/year on the annual plan, until you cancel. Cancel anytime in two clicks from your account page; your service runs to the end of the current billing period. Paid months are non-refundable except under the guarantee above. Full details in our terms of service.

Still deciding? Walk the dashboard first →

STRAIGHT ANSWERS

Fair questions.

They try — a few times, on a fixed schedule, inside a black box you can't see into. Then the subscription cancels and it's written off as churn. Built-in retries run the same play for every decline — no timing based on why the card failed, no branded card-update emails in your name, and no dashboard showing every recovered dollar. Swipe Again is the recovery layer that plugs into 9 platforms — and wins back the 30–50% of failures the defaults write off.

Never. Swipe Again orchestrates recovery alongside your existing payment setup — charges run through your processor and funds land in your account like always. We're not a payment processor and we never hold your money.

Nine platforms, all live: Stripe, Recharge, Seal Subscriptions, Skio, Loop Subscriptions, Chargebee, Recurly, Braintree, and Paddle. Connect in minutes, and every plan includes all integrations at no extra cost.

Then we stop the payment recovery, instantly — all retries and outreach for that subscription end. But our cancel-deflection pages give them one more reason to stay first: a targeted save offer based on why they're leaving.

The opposite: one short, human email with a one-click fix beats a dead subscription and a confused "why did my box stop coming" ticket. You control the voice, timing, and frequency of every message.

No. Pick your platform and you're connected in about two minutes. No code, no theme changes, nothing to maintain — it runs itself from there.

Your $179/month subscription begins — you're only charged if you stay. Cancel anytime in two clicks, and your data exports with you. No lock-in, no cancellation maze.

You connect your platform with minimal permissions — we request only what the recovery engine needs, and never sell or share your data. Full details in our privacy policy.

Start today

Stop losing subscribers
who never meant to leave.

Every billing cycle without recovery is revenue you earned and never collected. Connect in 2 minutes — see your first wins inside the trial.

Start trial

Free 14-day trial · No code · Cancel anytime