Rechurn vs Stripe Smart Retries
Stripe's built-in retry engine — free, automatic, no extra setup.
Pricing
Stripe Smart Retries: Free — included with Stripe Billing.
Rechurn: $49/mo flat — no tiering, no transaction fees, no MRR-based scaling.
Best for
Anyone using Stripe Billing who hasn't done anything else for failed payments yet.
Where Stripe Smart Retries wins
- Free and built-in
- Zero-setup baseline
Where Rechurn wins
- Smart Retries average ~30% recovery; Rechurn typically 40–65%
- Personalized email between retries — Smart Retries doesn't email at all
- Save offers (discount, pause, downgrade) on failure
- Per-decline-code playbooks — Smart Retries is one-size-fits-all
- Free audit shows exactly what Smart Retries is leaving on the table
Feature comparison
| Feature | Stripe Smart Retries | Rechurn |
|---|---|---|
| Retries | Yes (4 attempts) | Yes (configurable) |
| Customer email | No | Yes (AI-personalized) |
| Save offers | No | Yes |
| Per-decline-code logic | No | Yes |
| Recovery rate | ~30% | 40–65% typical |
| Cost | Free | $49/mo |
Verdict
Smart Retries is a baseline, not a strategy. Most SaaS leave 10–35% of recoverable revenue on the table by relying solely on Stripe's retries. Run our free audit — we'll show you exactly how much.
Want to see what this looks like on your Stripe?
Want a real comparison on your own data? Run the free Stripe audit — we'll show what Rechurn would recover that Stripe Smart Retries (or no tool) is missing.
Frequently asked questions
Is Rechurn cheaper than Stripe Smart Retries?+
Rechurn is $49/mo flat regardless of MRR. Stripe Smart Retries pricing: Free — included with Stripe Billing.. For most SaaS under $200K MRR, Rechurn is meaningfully cheaper.
Can I migrate from Stripe Smart Retries to Rechurn?+
Yes. Connect your Stripe (read-only) for the audit, then read_write to activate. Rechurn doesn't replace your billing — it sits alongside Stripe, so there's nothing to migrate beyond pointing your dunning automation at us. Set up takes 5 minutes.
Does Rechurn replace Stripe Smart Retries entirely?+
For dunning + email recovery + save offers: yes. Stripe Smart Retries additionally handles billing replacement, which Rechurn does not — Rechurn works on top of Stripe Billing.
What recovery rate should I expect?+
Stripe Smart Retries alone average ~30%. Tools like Rechurn that combine smart retries with personalized email sequences and save offers typically lift recovery to 40-65%.
Can I see the impact before paying?+
Yes — that's the point of the free audit. Connect Stripe with read-only OAuth, we scan the last 30 days, show you past-due MRR + failed-payment volume + estimated recovery. No credit card needed.