You're losing 2–8% of revenue to failed payments.
We get most of it back.
Reclaim connects to Stripe in minutes and runs smart retry logic and dunning sequences on every expired card, insufficient-funds decline, and fraud block — recovering 60–70% of what you're losing today, versus the 30–40% most finance teams manage by hand.
Connects with Stripe · Live in under 10 minutes · No engineering required · No card needed for the audit
Recovery snapshot · trailing 90 days
Illustrative exampleFailed payments
$184,200
Recovered by Reclaim
$128,940
Additional revenue recovered vs. manual dunning
+$58,940 / quarter
$5–10B
lost to involuntary churn industry-wide, annually
2–8%
of SaaS MRR lost to failed payments every month
30–40%
typical recovery rate with manual dunning
60–70%
recovery rate with smart retries + dunning
The problem
Involuntary churn isn't a retention problem. It's a collections problem.
Involuntary churn happens when a paying customer's subscription is canceled not by choice, but because a charge failed — an expired card, a temporary cash-flow gap, an overzealous fraud filter. Most of these customers never meant to leave.
| Failure reason | Share of failures | Recoverability | Why |
|---|---|---|---|
| Expired cards | 40% | Very high | The customer still wants the service — they just need a new card on file. |
| Insufficient funds | 25% | High | Usually a temporary cash-flow gap. A well-timed retry clears it. |
| Fraud blocks | 20% | High | A legitimate transaction flagged by the bank — not a fraudulent customer. |
| Technical failures | 15% | Very high | Processor timeouts and dropped connections. A simple retry usually works. |
How it works
Plug-and-play. No product changes required.
Reclaim works with the Stripe integration you already have. There's nothing to build, migrate, or maintain.
Step 01
Connect
Authorize read access to your Stripe account via OAuth — no card data ever touches our servers. Takes under 10 minutes, no engineering required.
Step 02
Analyze
We pull 90 days of failed payments, segment every failure by reason, and calculate exactly how much recoverable revenue is sitting on the table.
Step 03
Recover
Smart retry rules and dunning emails go to work automatically — expired cards on days 3 and 5, insufficient funds on days 2 and 7, fraud blocks routed for manual review.
The math
See what you'd get back
Adjust the numbers to match your business. The defaults reflect a typical $10M ARR SaaS company recovering 40% of failed payments today.
Assumes Reclaim recovers 70% of failed payments and takes a 12.5% share of the incremental revenue recovered, on top of the Professional plan ($1,500/mo for your ARR range).
- Failed payments, annually
- $500,000
- Recovered today
- $200,000
- Recovered with Reclaim
- $350,000
- Incremental recovery / year
- $150,000
- Reclaim cost / year
- $36,750
Net new profit / year
$113,250
Payback period
2.9 mo
Why now
The white space between spreadsheets and enterprise tooling
Enterprise dunning specialists deliver strong recovery rates, but at enterprise prices and enterprise timelines. Everyone else is left doing it by hand.
| Manual / DIY dunning | Enterprise dunning tools | Reclaim | |
|---|---|---|---|
| Recovery rate | 30–40% | 60–70% | 60–70% |
| Typical cost | Free — but hours of manual chasing | $5,000–$20,000+ / month | $500–$3,000/mo + 10–15% of recovery |
| Time to launch | Ongoing, ad hoc | Weeks, IT involvement | Under 10 minutes |
| Built for | ~80% of SaaS companies today | $50M+ ARR enterprises | $1M–$50M ARR SaaS teams |
Pricing
A plan for every stage of ARR
Every plan pairs a flat platform fee with a share of what we actually recover — so our incentives stay lined up with yours.
Starter
$1M–$5M ARR · up to $10K failed/mo
- Basic smart retry rules
- 3 dunning email templates
- Recovery analytics dashboard
- Stripe OAuth connection
Professional
$5M–$20M ARR · up to $100K failed/mo
- Everything in Starter
- Custom retry logic
- 10+ dunning templates
- API access
- Priority support
Enterprise
$20M+ ARR · unlimited volume
- Everything in Professional
- Unlimited failed payment volume
- White-label option
- Dedicated recovery specialist
- Custom integrations
Every plan includes a 10–15% share of the incremental revenue we recover, on top of the monthly fee — we only make real money when you get paid. Prepay annually and save 15–20%.
FAQ
Questions finance teams ask us
Is our payment data safe?
Reclaim connects through Stripe's OAuth flow — we never see or store full card numbers. All data is encrypted in transit and at rest, and we hold ourselves to the same PCI-aligned standards as any tool that touches payment data.
How long does setup take?
Most teams are live in under 10 minutes: connect your Stripe account, review your free recovery audit, and turn on retry rules and dunning emails. No engineering work required.
Do you replace the dunning emails we already send?
You can run Reclaim alongside your existing emails or hand the whole sequence over to us — expired-card, insufficient-funds, and fraud-block templates are ready to customize from day one.
What happens if you don't recover anything?
You still pay the flat platform fee, but the 10–15% revenue share only applies to money we actually get back. Our incentive is the same as yours: we only do well when you get paid.
Which payment processors do you support?
Stripe today. Chargebee, Square, and PayPal support are on our near-term roadmap.
Is there a contract?
Plans are month-to-month by default. Prepay annually and save 15–20%.
Every month you wait is more revenue gone for good.
Run a free recovery audit and see exactly how much you could get back — it takes about 10 minutes.
Free audit · No credit card required · Takes about 10 minutes