Failed & declined cards
Insufficient funds, soft declines, and "do not honor" codes silently kill recurring revenue every billing cycle.
Recovery Engine automatically retries failed Paystack and Razorpay subscription payments, sends customer reminders, and recovers revenue before it becomes churn.
First 90 days free for early customers · No engineering work · Live in minutes
Revenue recovered
$0
Recovery rate
0%
Active retries
1,204
Adunni S.
Insufficient funds
₦24,000
Retry scheduled
Rohan M.
Card expired
₹4,999
Reminder sent
Chidi O.
Bank decline
₦60,000
Recovered
Priya K.
Do not honor
₹2,499
Recovered
Trusted by modern subscription teams
Every failed charge is a customer you've already won. Most billing systems retry once, then quietly let them churn.
Insufficient funds, soft declines, and "do not honor" codes silently kill recurring revenue every billing cycle.
Customers forget to update expired cards. Without smart retries, their subscriptions just lapse.
Issuer-side declines are often temporary, but most billing systems give up after a single attempt.
Payments fail before payday. Retrying on the wrong day means you lose recoverable revenue.
Up to 40% of churn is involuntary — customers who wanted to stay but a payment quietly failed.
40%
of subscription churn is involuntary — and most of it is recoverable.
Recovery Engine runs the entire dunning workflow for you, end to end, the moment a payment fails.
01
A Paystack or Razorpay webhook fires the moment a charge fails.
02
We decode the failure reason — funds, expiry, decline, or bank.
03
Retries are timed intelligently around paydays and bank patterns.
04
Branded recovery emails nudge customers to update their card.
05
The retry succeeds and the subscription stays active.
06
Recovered MRR lands in your account — no engineering needed.
Recovery Engine works automatically in the background so your team can focus on growth, not dunning.
Turn failed charges back into paid invoices and reclaim MRR that would have silently disappeared.
Stop involuntary churn at the source by keeping subscriptions active through smart retries.
Every recovered payment compounds — small recovery gains drive meaningful net revenue retention.
Connect your Paystack or Razorpay webhook once. No code changes, no maintenance, no cron jobs.
Set it up once and let it run. Recovery happens 24/7 without anyone lifting a finger.
Track every retry, every failure code, and every dollar recovered with analytics built for finance and growth teams.
71%
Recovery rate
2.4d
Avg. time to recover
+9.8%
Net MRR retained
2.1
Retries per win
From Lagos to Bangalore, growing businesses use Recovery Engine to keep more of the revenue they've already earned.
Case study · Subly
“Recovery Engine recovered 42% of our failed Razorpay paymentsin 60 days — the equivalent of a new growth channel, fully automated.”
42%
Failed payments recovered
₹6.4M
Revenue saved
−38%
Involuntary churn
0
Engineers required
“We recovered ₦18M in the first quarter without touching a line of code. Recovery Engine paid for itself in the first week.”
“Involuntary churn was our biggest silent leak. Retrying around payday cut our failed-payment churn almost in half.”
“Setup took an afternoon. The analytics alone changed how our finance team thinks about retention.”
Start free for 90 days as an early customer. No setup fees, no per-transaction cuts.
First 90 days free for early customers
Still have questions? Book a demo and we'll walk you through your exact setup.
See how much revenue your business could recover. Book a demo and we'll show you your recovery potential in minutes.
First 90 days free · No engineering work · Cancel anytime