Paystack failed payment recovery
Recover failed Paystack payments automatically
Reclaim detects failed renewals and follows up by SMS — the channel Nigerian customers actually respond to — so you recover revenue you'd otherwise lose to silent churn.
The problem
Every Paystack-powered subscription business loses some revenue to failed renewals — expired cards, insufficient funds, declined transactions. There's no cancellation, no refund, just a customer who quietly stops being billed. Most businesses have no system actively watching for this.
How Reclaim recovers it
- Detects the failed payment automatically
- Sends an SMS follow-up — not email, because SMS gets read here
- Makes it easy to retry or update payment details
- Keeps trying until it's recovered or genuinely lost
- Shows you exactly how much revenue you've recovered
Built for Paystack specifically
- Native Paystack integration — connect your account in minutes
- Encrypted key storage and hard-delete revocation — see exactly how
- Naira-priced, no USD conversion
Pricing
Billed in Naira. Pay more only when we recover more.
Every plan pairs a flat platform fee with a share of what we actually recover — so we only do well when you get paid.
No recovered revenue? You pay nothing beyond your plan.
Pay-on-Recovery
No flat fee, ever
Most cautious first step — try it with nothing down.
- 25% of recovered amount only
- Core retry + SMS follow-up
- Recovery dashboard
Starter
~$25/mo
Up to ₦2M failed/month
- Smart retry rules
- 3 SMS templates
- 15% recovery share
Growth
~$69/mo
Up to ₦15M failed/month
- Everything in Starter
- Custom retry logic, API access
- 18% recovery share
Scale
~$160+/mo
Unlimited volume, multi-currency
- Everything in Growth
- Dedicated recovery specialist
- 20% recovery share
Naira today. Kenyan shilling, Ghanaian cedi, and South African rand on the roadmap.
FAQ
Questions about recovering failed payments
How does Reclaim detect a failed payment?
Reclaim connects to your Paystack account and runs an automated check that pulls failed transactions directly from your account — no dashboard-watching or manual exports required.
Does Reclaim work with Paystack's recurring billing feature specifically?
Yes. Reclaim reads failed transactions straight from your connected Paystack account, including renewals billed through Paystack's recurring billing — there's nothing extra to configure on your side.
What happens to my Paystack secret key?
It's encrypted with AES-256-GCM before it's ever stored, kept separate from the data it protects, and used only server-side to power recovery. You can revoke access at any time from your dashboard.
How is this different from Paystack's own retry logic?
A silent retry doesn't tell your customer anything failed, so they have no reason to update an expired card or top up their wallet in between attempts. Reclaim adds the missing piece — an SMS that tells them directly and gives them a way to fix it, which is what actually moves the recovery rate.
Is there a cost if no payments are recovered?
Not on Pay-on-Recovery — you pay ₦0 upfront and owe nothing unless Reclaim actually recovers money for you. Paid tiers add a flat monthly fee, but the recovery share only ever applies to what's actually recovered.