For creators who bill through Stripe
Failed subscription payments, recovered while you sleep.
Creator Dunning connects to your Stripe account and emails subscribers in your name the moment a renewal fails, then keeps following up until they update their card. Setup takes about two minutes.
Founding offer: connect by December 31, 2026 and it's free until June 30, 2027, however many subscribers you have. No card needed.
- Nothing changes in Stripe
- Emails go out in your name
- Disconnect any time
FromJane's Field Notes Billing
Reply-tojane@example.com
SubjectYour $8.00 payment to Jane's Field Notes didn't go through
Hi Sam,
We couldn't process the $8.00 payment for your Jane's Field Notes subscription. Your subscription stays active for now, but we'll need an updated payment method to keep it that way.
Update your payment method and pay now
If you've already resolved this, you can ignore this email. Reply to this message if you have any questions.
Jane
$8.00 recovered
Sam updated their card · 2 days later
Works wherever your subscriptions live in Stripe
How it works
Three steps, then it runs itself.
No templates to write, no sequences to build. Connect once and every failed renewal gets handled the way you would handle it yourself.
- 01
Connect Stripe
Sign in and link the Stripe account you already sell with. No code, no plugins, nothing to install on your site.
- 02
We watch every renewal
The moment a subscription payment fails, your subscriber gets a plain email from you with a one-click link to fix their card.
- 03
Reminders until they pay
If it stays unpaid we follow up every three days for a month, then stop. When the invoice is paid, the reminders stop that minute.
The reminder schedule
Persistent, never pushy.
- 1
Day 0
Renewal fails
First email within minutes
- 2
Day 3
Reminder
Same plain tone, same link
- 3
Day 6
Reminder
- 4
Day 9
Reminder
- 5
…
Every 3 days
- 6
Day 30
Last reminder
Then we stop
The moment the invoice is paid, every remaining reminder is cancelled.
What it costs you
Involuntary churn is the leak you never see.
Drag to your monthly subscription revenue. The numbers use industry-wide failure and recovery rates, not ours, so you can sanity-check them against your own Stripe data.
Lost per year to failed cards
$450 fails each month
With Stripe's defaults
With timely, personal reminders
Worth recovering each year
$2,160
Assumes ~15% of recurring card payments fail, 25–35% of consumer failures are recovered by Stripe's retries and default emails, and 70–85% by best-in-class setups. Industry rates, not ours; sources below.
The math behind it
Stripe's retries fix the easy failures. The rest need a human-sounding nudge.
Retries only fire when a card might work again. An expired or replaced card needs the subscriber to act, and that takes a message they will actually open.
- 20–40%
- of all subscription churn is involuntary: a card failed, nobody meant to leave.
- Chargebee and Recurly benchmarks
- ~15%
- of recurring card payments fail, mostly expired cards, limits and bank declines.
- Slicker 2025, citing Visa and Mastercard
- 25–35%
- of failed consumer payments are recovered by Stripe's retries and default emails, despite the 55% headline figure.
- Redux analysis of 200+ B2C Stripe accounts
- 70–85%
- recovery is what best-in-class setups with timely, personal outreach achieve.
- Slicker 2025
Sources: The State of Involuntary Churn 2026 and Stripe Smart Retries: recovery rates and where they fall short.
Compared with the alternatives
Built for one person with a membership, not a SaaS billing team.
| Stripe's defaults | SaaS dunning tools | Creator Dunning | |
|---|---|---|---|
| Who the email comes from | "Stripe" or nobody | The tool's brand | You, with your name and reply-to |
| Setup | Configure Billing emails and retries yourself | Hours, built for SaaS teams | Two minutes, connect and done |
| Existing past-due subscribers | Ignored | Sometimes | Imported and worked on day one |
| Follow-ups | One or two automated notices | Configurable sequences | Every 3 days for 30 days, stops when paid |
| Price | Included with Stripe Billing | About $180–270 a month to start | Free to 100 subscribers, then $19 a month |
| Built for | Everyone | SaaS companies | Creators with memberships and newsletters |
SaaS tool pricing from public plans of Churnkey, Stunning, Churn Buster and Baremetrics Recover as of September 2026.
Trust
Nothing changes in Stripe, and you can leave any time.
Reads, never writes
Stripe only offers apps like ours one access level, so its screen asks for read and write. We use it to read subscriptions and invoices, and never charge, refund or edit anything.
Works with your platform
Ghost, Substack, Circle or plain Stripe Billing: if your renewals are Stripe subscriptions in your own account, it works.
Disconnect in one click
Revoke access from your Stripe dashboard and the reminders stop the same minute. No lock-in, no export needed.
Questions
Things people ask before connecting.
Will this annoy my subscribers?
It is one plain email with the amount and a link, from your name, with replies going to you. Follow-ups are three days apart and stop the moment the invoice is paid. Most subscribers are grateful; they wanted to keep the subscription.
Does it change anything in my Stripe account?
No. Stripe's authorization screen asks for read and write access, because that is the only level Stripe offers platforms, but we only read subscriptions, invoices and customer emails. We never create charges, issue refunds or edit anything. Your products, prices, retries and payouts are untouched.
Which platforms does it work with?
Anything that bills renewals as Stripe subscriptions in your own Stripe account: Ghost, Substack, Circle paywalls, WordPress membership plugins using Stripe, or your own Stripe Checkout. Platforms that run their own billing engine, like Memberful, Outseta, WooCommerce Subscriptions or Patreon, aren't supported yet, because their renewals never reach Stripe as subscriptions.
What about subscribers who are already past due?
They are imported the moment you connect and go straight into the recovery queue, so the first results usually show up within days.
What does it cost?
Nothing up to 100 tracked subscribers, and no card to start. Above that it is $19 a month to 2,000 subscribers and $49 a month beyond that: a flat fee, never a cut of what we recover. Creators who connect this year keep the paid tiers free until 30 June 2027.
Free to start
See what the last 90 days cost you.
Connect Stripe and get a failed-payment audit in about a minute. Anyone already past due goes straight into the recovery queue.