Failed subscription payments, recovered while you sleep.
Creator Dunning connects to your Stripe account and emails subscribers the moment a renewal fails, then keeps following up until they update their card. Setup takes about two minutes.
Connect Stripe
Sign in and link the Stripe account you already sell with. No code, no plugins, nothing to install on your site.
We watch every renewal
The moment a subscription payment fails, your subscriber gets a friendly email with a one-click link to fix their card.
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 instantly.
How much is it costing you?
Drag to your monthly subscription revenue. The numbers use industry-wide failure and recovery rates, not ours.
- Payments that fail each month
- $450
- Lost per year with Stripe's defaults
- $3,510
- Lost per year with best-in-class recovery
- $1,350
Assumes ~15% of recurring card payments fail, 25–35% of consumer failures are recovered by Stripe's retries and default emails, and 70–85% are recovered by best-in-class setups. Sources below.
The math behind it
- 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. Stripe's retries only fire when a card might work again; an expired or replaced card needs a human to act, and that takes a message they will actually open.
What your subscriber receives
Plain, calm, and from you. No logos, no marketing, just the amount and a link to fix it.
From: Jane's Field Notes Billing
Reply-to: jane@example.com
Subject: Your $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.
Compared with the alternatives
| 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 | Free | $100–249 per month | Free during early access |
| 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.
Nothing changes in Stripe, and you can leave any time.
- Read-only by design
- We read subscription and invoice events. Your prices, payouts and customers stay exactly where they are.
- Works with your platform
- Ghost, Substack, Memberful, or plain Stripe Billing: if the subscriptions live in your Stripe account, it works.
- Disconnect in one click
- Revoke access from your Stripe dashboard and the reminders stop the same minute.