Every failed payment is a recovery opportunity.
5–8% of SaaS invoices fail on the first attempt. MRRescue sends a 6-step dunning sequence automatically — branded, timed, and adapted to the decline reason — until your customer is back.
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5–8%
of SaaS invoices fail on first attempt
40–60%
recovery rate with full dunning
6 emails
over 30 days, fully automated
4×
smart retries per failed payment
6 emails. 30 days. Automatic.
MRRescue starts the moment Stripe fires invoice.payment_failed. The sequence stops automatically when the payment is recovered.
Friendly · low urgency
First touch. Informs the customer a payment failed — no panic. A clear button to update payment method.
Helpful · moderate urgency
Reminds the customer with a clearer CTA. Mentions that access may be affected if not resolved.
Urgent · problem-focused
States clearly that the subscription is at risk of lapsing. Urgency increases without being aggressive.
Emotional · retention-focused
Human tone. Reminds the customer why they signed up. Offers help if they're experiencing a billing issue.
Final warning · high urgency
The clearest possible message that the subscription will end. Final CTA with direct update link.
Last resort
Last email. If no action, subscription is marked permanently churned. Triggers win-back campaign eligibility.
Different reasons need different messages
Generic dunning copy treats every failure the same. MRRescue adapts its email messaging to the Stripe decline code — producing higher open rates and faster recoveries.
insufficient_fundsInsufficient fundsSoft tone, extended retry window. Email suggests checking account balance. Retry scheduled for end-of-month payday cycle.
expired_cardExpired cardDirect ask to add a new card. Link to payment update page prominent in email. Highest recovery rate of all failure types.
card_declinedGeneric declineNeutral tone, asks customer to contact their bank or try a different card. Offers backup payment method as fallback.
do_not_honorBank decline / fraud flagAsks customer to call their bank to authorize the charge. MRRescue flags this in dashboard for manual follow-up if needed.
Recovery goes beyond dunning emails
Smart Payment Retries
Up to 4 retries per failed payment, timed around card recharge patterns — payday cycles, end-of-month — not random intervals.
Backup Payment Requests
Proactively ask customers to add a backup payment method before their primary card fails. Prevention beats recovery.
Expiring Card Alerts
Identify cards expiring in 30–60 days and alert customers to update before the failure ever happens.
Card Verification
Verify new payment methods with a $1 authorization hold before a subscription renews — no more silent card failures.
Failed payment recovery — answered
What's the difference between Stripe Smart Retries and MRRescue's recovery?
Stripe Smart Retries automatically reattempts the payment at optimized intervals — but they're silent. Your customer has no idea their subscription is at risk. MRRescue adds the communication layer: a 6-email sequence that guides the customer to update their card, with messaging adapted to the specific decline reason.
How many emails are in the recovery sequence?
Six emails over 30 days: 1 hour, 24 hours, 3 days, 7 days, 14 days, and 30 days after the payment fails. Each email escalates urgency while remaining on-brand. The sequence stops automatically the moment a payment is recovered.
Are the recovery emails branded as mine?
Yes. Every email is sent from your domain with your logo, brand colors, and sender name. Your customers see a transactional email from your company — not from MRRescue.
What happens after the 30-day sequence if the payment is never recovered?
MRRescue marks the invoice as permanently failed and logs the churn event in your dashboard. This customer becomes eligible for a win-back campaign — automated re-engagement emails that can bring them back when they're ready.
Can I customize the email copy?
Yes. Every email template is editable in the Email Flows settings. You can customize subject lines, body copy, and CTAs per email in the sequence. The default templates are high-converting and work well out of the box.
Does MRRescue track whether recovery emails are opened?
Yes. MRRescue tracks opens, clicks, and the final recovery outcome for every email in the sequence. Your dashboard shows recovery rate by email step so you can see exactly where customers are converting.
Stop watching failed payments become lost MRR
MRRescue starts working the moment a Stripe payment fails. Connect in 2 minutes and recover MRR you'd otherwise lose forever.
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