You're losing subscription revenue to expired cards. Recoop gets it back.
Connect Stripe once. We run smart retries, keep cards up to date, and send branded messages that win customers back. You watch the recovered revenue land back in your own account.
- In progress—Sep 12
- Recovered+$312Sep 11
- Recovered+$96Sep 9
Example dashboard, illustrative figures, not a real client.
Card failures aren't rare. They're routine, and most businesses eat the cost quietly.
of all subscription churn is caused by failed payments, not a customer choosing to leave.
is the independent range a second research firm puts on involuntary churn, a different study landing in the same place.
of subscription charges decline on the average attempt. Expired cards, insufficient funds, or a bank flagging a routine charge as suspicious.
of accounts with a card on file get a new number, a new expiry date, or close outright, every single year. That's why a card updater running quietly in the background matters.
The best subscription businesses recover 60% of failed payments. The average business still loses about 9% of its sales to them.
These are industry benchmarks, not a claim about your business specifically. Get a free estimate and we'll show you your real number.
Sources: Recurly Research, Churn Rate Benchmarks, and Subscription Benchmarks: Top Payment Decline Reasons; PYMNTS Intelligence & FlexPay, The State of Subscription Business (Jan 2023); Visa, Visa Account Updater FAQ.
What does that actually mean for you?
Built on a conservative 7% assumption for involuntary churn, well below the 20 to 40% industry range above on purpose, and the roughly 45% of that most businesses can realistically recover with the right tools running.
A rough benchmark, not a quote. Nothing is charged unless we actually recover something. Get a free estimate for your real number.
Get a free estimateThree steps. Then nothing.
Connect your billing
Five minutes, through Stripe Connect, with only the access recovery needs. No migration, no code, nothing to rip out.
We run recovery
Stripe's own retry tools help, but data from real B2C Stripe accounts shows most businesses still recover only 25 to 35% of failed payments. We tune the retries, turn on the automatic card updater, and layer in branded messages that win customers back, timed to each failure, to close that gap.
You watch it land
Recovered payments settle straight into your existing Stripe balance, never through us. Check the dashboard whenever you want. There is nothing to maintain.
Source: recovery rate data across 200+ B2C Stripe Billing accounts, reported by Redux Payments.
Recover nothing, pay nothing.
There's no setup fee and no monthly fee to weigh against a maybe. You only ever pay 25% of the revenue we actually recover for you, billed once a month on what came in the month before.
If a given month brings nothing back, that month costs you nothing. The incentive is already lined up: we only get paid when the retries, the card updates, and the win-back messages actually work.
A note from the founder
Every subscription business loses a little revenue it never sees. A card expires. A payment gets declined. A customer who fully meant to keep paying just doesn't, because their bank flagged the charge. It almost never looks like a problem. It just shows up as slightly lower revenue each month, and most owners never catch it.
I built Recoop to catch it for you. Stripe already gives you decent recovery tools, like smart retries and an account updater, but on most accounts they sit half set up and forgotten. Recoop connects to your Stripe, gets all of it running properly, adds branded emails that win those customers back around each failed payment, and shows you every recovery on one simple dashboard.
You stay in control the whole time. Your money never leaves your own Stripe account, we never see full card numbers, and you can disconnect in one click. I've set the pricing up so you only ever pay a share of what we actually recover. If we recover nothing, you pay nothing. No setup fee, no monthly fee, no risk in trying it.
If there's anything you want to understand before connecting, email me directly at noah@joinrecoop.com. You'll get me, not a support queue.
Noah Bundy
Founder, Recoop
Your money never touches us.
Your funds stay put
Recoop connects through Stripe Connect with only the access recovery needs. Your funds stay in your own Stripe account, always. We never take custody of them.
We never see full card numbers
Those stay inside Stripe's own PCI compliant systems, the same way they do today.
Your data is handled on your terms
Where we handle your customers' data, we do it strictly on your instructions, under a proper data processing agreement, never for our own purposes. Subprocessors: Stripe, Supabase, Vercel, Railway, Resend, Zoho, Anthropic, Cloudflare.
A real, registered business
Recoop is a UK sole trader, Noah Bundy, 16 Leachman Way, Petersfield, Hampshire, GU31 4FL, United Kingdom. Questions go straight to me: noah@joinrecoop.com.
You only pay for what we recover.
Billed monthly, on what actually came back that month. Recover nothing in a given month, and you owe nothing for it. You keep the other 75% of every dollar we bring back.
- Stripe Smart Retry optimisation
- Automatic card updater, turned on for you
- Branded messaging that wins customers back
- A live recovery dashboard
- No setup fee, no monthly fee
Ready when you are
Connect your billing in five minutes. Nothing is charged today, and nothing is ever charged unless we actually recover something for you.
Get startedNot ready yet? Get a free estimate first.
Questions, answered.
How does pricing work?
Are you a real company?
Is my data, and my customers’, safe?
What if you recover nothing?
How is this different from what Stripe already does?
Why trust a tool this new?
What do I have to do?
Ready to see your number?
A free estimate of what's realistically recoverable for your business. No card, no call required.
Get a free estimate