Comparison
How Reclaim compares
There's more than one way to try to recover failed Paystack payments. Here's how Reclaim stacks up against the alternatives.
Why now
Between "chase it yourself" and tools that were never built for here.
Enterprise dunning tools are priced in dollars, sold through a sales call, and tuned for card-expiry logic. Everyone else is doing it by hand.
| Comparison criteria | Manual follow-up | USD enterprise tools | Reclaim |
|---|---|---|---|
| Typical recovery rate | 30–40% | 60–70% | 60–70% |
| Billing currency | — | USD, card-charge risk | Naira |
| Getting started | Ongoing, by hand | Sales call, weeks | Under 10 minutes |
| Entry cost | Free, but hours of chasing | $99–250+/mo minimum | ₦0 to start (Pay-on-Recovery) |
Why not an agent
You could point an AI agent at this. Here's what it would miss.
General-purpose AI agent platforms can connect to Paystack too — retry a failed charge, draft a follow-up, check a webhook. That's a real option now, not a hypothetical.
Built elsewhere
Configure an agent yourself. Retry on a generic schedule. Follow up by email, because that's the default everywhere else.
Built for here
- Knows a failed mobile money payment often succeeds again by Friday, not immediately
- Follows up by SMS, because that's the channel that actually gets a reply here
- Tuned to bank transfer timeouts and payday cycles — not card-expiry logic built for a different market
A general agent will do what you tell it to. It won't know that timing is often the whole difference between a recovered payment and a lost one — because that's not something you configure, it's something you have to already know about how money moves here. Reclaim was built around that knowledge from the start, not bolted on as a workflow.
Honest fit check
Reclaim isn't the right fit if
- You're not on Paystack yet — Flutterwave and Moniepoint support is coming soon
- You need enterprise-scale custom workflows beyond payment recovery
- You want a general-purpose automation platform, not a focused tool