RetryFix

Failed-payment recovery for Stripe subscriptions. Connect Stripe, and declined renewals get dunning emails written for the specific decline reason, each with a pay or update-card link. Billing is 10% of what it recovers, or a flat £49 a month if you would rather know the number in advance.

Reviewed by Mark Ashworth · Founder, ChurnTools · Last updated:
Retention & Loyalty SaaS Automation Integration
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TLDR My quick take on RetryFix
Stripe's own retry schedule gives up quietly and you eat the loss. RetryFix picks up where it stops, writes the chase email to match the actual decline code, and only charges when money lands. If you have never built dunning, this is the cheapest way to stop pretending you have.
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How does RetryFix actually reduce churn?

Resurrection Setup Moment

RetryFix works on involuntary churn only, which is the slice where the customer never chose to leave. That makes it the first thing to fix rather than the most interesting one. A save flow argues with someone who wants out. Dunning just makes it easy for someone who is already staying to keep paying you, and the work is mostly done by the decline code telling you which email to send.

What is RetryFix?

Involuntary churn is the stupidest line item in a subscription business. Nobody decided to leave. A card expired, a bank declined a renewal for insufficient funds, and three weeks later the account is gone because the one email Stripe sent went to a tab nobody opened.

RetryFix sits on Stripe Connect and listens for failed invoice webhooks. When a renewal declines it sends a dunning sequence built around the decline reason, which is the part most home-grown retry logic skips. An expired card and a do-not-honour response are different problems and deserve different emails, because one needs new card details and the other mostly needs the customer to try again on payday. Every email carries a Stripe-hosted pay or update-card link, so the customer fixes it in one tap and the charge settles on your own Stripe account. RetryFix never touches the money.

The pricing is the reason to look. Pay on recovery is 10% of revenue it actually recovers, with no fee in a month where it recovers nothing. For a founder who has been meaning to build dunning for a year, that removes the only real objection, which is committing budget to a problem you have not measured. If the percentage gets expensive because it works, the flat plan is £49 a month and you switch.

There is a free read-only demo that connects to your Stripe in read mode and shows you the failed payments already sitting there. Run it before you decide anything. Most people are surprised by the number, and the number is the whole business case.

What can RetryFix actually do?

  • Connects over Stripe Connect and reads failed-invoice webhooks, so there is nothing to build
  • Dunning emails written for the specific decline reason rather than one generic chase
  • Pay and update-card links handled by Stripe, so the fix is one tap for the customer
  • Pay on recovery billing at 10%, charged only on revenue it actually brings back
  • Flat rate plan at £49 a month for anyone who would rather cap the cost
  • Free read-only demo that shows the failed payments sitting in your Stripe today
  • Dashboard of every failed and recovered case, so you can see what the sequence is worth

Who should use RetryFix?

Recover declined subscription renewals that Stripe gave up on
Cut involuntary churn without writing retry logic in-house
Put a dunning sequence live in an afternoon instead of a sprint
Find out what failed payments are costing you before committing budget

What are the pros and cons of RetryFix?

Pros

  • No win, no fee removes the only argument against trying it. A month with no recovery costs nothing.
  • Decline-aware copy is the difference between a dunning sequence that works and one that annoys people. Most in-house versions send the same email either way.
  • Money settles on your own Stripe account, so RetryFix is never holding your revenue
  • The read-only demo quantifies the problem before you commit, which is rare in this category
  • Flat rate exists as an escape hatch once 10% starts to sting

Cons

  • Stripe only. If you bill through Chargebee, Paddle or Recurly, this is not for you yet.
  • It fixes involuntary churn and nothing else. Someone who genuinely wants to cancel is still gone.
  • Young product with no public case studies yet, so you are trusting your own demo numbers rather than someone else's
  • 10% of recovered revenue gets expensive at volume, which is a good problem but a real one. Watch for the point where flat rate wins.
  • Email is the only channel. No SMS or in-app nudge for the customers who never open email.

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What does RetryFix integrate with?

Stripe Connect Stripe failed-invoice webhooks Stripe-hosted payment and card-update pages

What retention experiments pair well with RetryFix?

Retention experiments to run alongside RetryFix

Proactive Credit Card Expiration Outreach

Easy Reduce card expiration churn from 25-35% to under 8%

Recover Failed Payments with Smart Dunning

Medium Recover 40-60% of failed payments, reduce involuntary churn...

Frequently asked questions about RetryFix

The questions buyers ask me most often about this tool.

How is RetryFix different from Stripe Smart Retries?
Smart Retries re-attempts the charge on a schedule and sends a standard email. That covers the declines where the card was always going to work on the second try. RetryFix handles the rest, where a human has to do something: update a card, move money, authorise a payment. It reads the decline reason and writes to that specific problem, with a one-tap link to fix it, and keeps going after Stripe has stopped.

What does RetryFix cost?
Two options. Pay on recovery is 10% of the revenue it recovers, so a month where it recovers nothing costs nothing. Flat rate is £49 a month regardless of how much comes back. Start on pay on recovery and switch once the percentage is bigger than the flat fee.

Does RetryFix hold my money?
No. It runs on Stripe Connect and the customer pays through Stripe-hosted pages, so recovered revenue settles on your own Stripe account the way any other charge does.

Can I see what it would recover before I sign up?
Yes, and you should. There is a free read-only demo that connects to Stripe in read mode and shows the failed payments already sitting in your account. That number is the business case, and most people have never looked at it.

What percentage of churn is actually failed payments?
For most subscription businesses it is somewhere between 20 and 40 percent of total churn, and it is the cheapest slice to fix because the customer never wanted to leave. Run the demo against your own Stripe rather than trusting a benchmark.

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Reviewed by Mark Ashworth

Founder of ChurnTools. I review every tool in this directory personally, talk to the people using them, and call out which ones I'd actually recommend (and which I wouldn't). No paid placements in the rankings.

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Company Info

Best for: smb
Employees: 1-10

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Retention Diagnostic · $2,500 fixed · first 2 at $1,250

A tool will not fix churn you have not diagnosed

Buying software is a reasonable second step. The first one is knowing which part of your churn is voluntary, which part is failed payments, and what the people who left did differently in their first month. I work that out and send you three fixes ranked by what they are worth, in writing, within 10 working days.

  • ✓ Your churn split by cause, with dollars on each
  • ✓ Three fixes, ranked, with expected recovery
  • ✓ The advice that does not apply to you
  • ✓ Fixed price, no call required
See what it covers Part time, so one a week. If it is not a fit I will say so.