20% of what you recover. Nothing before that.
AI-written email sequences and card network retries across 30 days. Four decline categories handled with different sequences. You pay only when Recova recovers a payment.
20% of recovered revenue · No monthly fee · Invoiced monthly
How it works
Payment fails on Stripe
Recova receives the webhook within seconds. The decline code is classified into one of four categories: soft, network, expired, or fraud.
Recova starts a sequence
An AI-written email sequence begins, timed to card network retry windows. Retry steps attempt the charge directly via Stripe. The sequence runs for up to 30 days.
You pay 20% of what recovers
At the start of the following month, Recova invoices 20% of payments recovered in the prior period. Nothing owed on sequences that do not recover.
What you see after connecting
Four categories. Four different sequences.
Stripe's Smart Retries treat all declines the same. Recova classifies every decline code, soft, network, expired, or fraud, and runs a different sequence for each. A fraud decline gets no retry steps. An expired card gets emails focused on updating payment info. A soft decline gets both emails and retries timed to card network windows.
Every payment. Every step. Every timestamp.
The recovery dashboard shows recovered revenue, MRR at risk, recovery rate, the ROI breakdown, and each active payment with its sequence progress. Every step, scheduled, sent, pending, has exact timestamps and results. Email previews visible on every completed step.
Your failed payments, classified and in sequence.
Every failed invoice appears in the payments table with the customer, amount, decline category and code, sequence progress, status, and detection date. Filter by status, search by customer, export to CSV.
Failed payments
| Customer | Amount | Decline | Steps | Status | Detected | Actions |
|---|---|---|---|---|---|---|
AmberWorks billing@amberworks.io Scale | $149.00 | soft insufficient_funds | 2/8 Next: Day 3 email | active | 2d ago May 21, 2026 | View |
Sam Gomez sam@gomezconsulting.com Starter | $99.00 | network do_not_honor | 1/8 Next: 4hr retry | active | 1d ago May 22, 2026 | View |
Alex Quinn alex@quinnstudio.com Starter | $49.00 | expired expired_card | 2/5 Next: Day 7 email | active | 4d ago May 19, 2026 | View |
Felix Nakamura felix@nakamuralab.com Growth | $199.00 | fraud fraudulent | 0/3 Next: Day 1 email | active | 3d ago May 20, 2026 | View |
Bluewave Studios finance@bluewavestudios.co Scale | $495.00 | soft insufficient_funds | 5/8 Next: Day 1 email | active | 12d ago May 11, 2026 | View |
FieldFlow pay@fieldflow.app Growth | $399.00 | network card_declined | 4/4 | recovered | 8d ago May 15, 2026 | View |
Carmen Castro carmen@castro.studio Starter | $79.00 | expired expired_card | 1/5 Next: Day 3 email | active | 1d ago May 22, 2026 | View |
IronGroup 2x failurebilling@irongroup.co Scale | $249.00 | soft insufficient_funds | 2/8 Next: Day 3 email | active | 6d ago May 17, 2026 | View |
Pricing
- No monthly fee, you pay nothing until Recova recovers a payment
- 30-day sequences across 4 decline categories
- AI-written emails with Haiku quality audit pass
- Card network retry timing per decline category
- Win-back sequences on cancellation (3 steps over 14 days)
- Expiring card alerts (daily, 30-day window)
- Open and click tracking per email step
- Custom email body override per step
- Unlimited Stripe accounts at the same per-account rate
Questions
What counts as a recovered payment?
A payment is recovered when Recova's sequence results in the invoice being paid. Attribution is tracked per step. Payments that Stripe's Smart Retries recover independently are not counted as Recova recoveries.
What happens if a customer replies to a recovery email?
Replies go to your notification email, the one set in Recova settings. Recova sends with your brand name, so replies come back to you.
Can I pause or cancel a sequence?
Yes. From the payment detail page you can pause, resume, or cancel any active sequence. You can also override the next step or trigger an immediate retry at any time.
See what is currently unrecovered.
The free audit shows your failed invoices and estimates what recovery sequences would return.
Run your free auditNo account required · Read-only Stripe access · Takes 30 seconds