Retry failed payments at the exact right moment, not on a blind schedule.
LostChurn uses ML-optimized timing based on decline codes, payday cycles, and issuer patterns to find the retry window with the highest probability of success. Not just exponential backoff — real intelligence behind every attempt.
Processing payments in real time
Activity Log
Recovery Rate
0%
Processed
Avg Response
<50ms
From webhook to recovered payment in four steps.
A webhook arrives from Stripe or Braintree in real time. LostChurn classifies the decline code and determines if the failure is retryable or terminal.
Our ML model analyzes the decline code, payday cycles, time-of-day patterns, and issuer behavior to find the moment the retry is most likely to succeed.
The payment is retried via the optimal API endpoint (invoice/pay, payment_intent/confirm, or payment_intent/create) with hour-bucket idempotency keys to prevent duplicate charges.
If the primary PSP fails again, the retry automatically cascades to your backup processor. Stripe to Braintree failover available on Scale+ plans.
65%+
of soft declines recover within 72 hours
50+
decline codes classified and categorized
<50ms
edge webhook processing time
0
duplicate charges from idempotency keys
Most payment processors retry on a fixed schedule. LostChurn analyzes every failure to find the optimal moment. The difference is measurable: higher recovery rates, fewer wasted retries, and healthier merchant accounts.
Built-in safeguards that protect your merchant account while maximizing recovery.
Codes like stolen_card, fraudulent, and card_not_supported are immediately marked terminal. No wasted retries, no risk to your merchant account.
Every retry uses a deterministic idempotency key scoped to the payment and hour bucket, making duplicate charges structurally impossible.
Automatic detection and isolation of failing payment gateways. If a processor is experiencing issues, retries are intelligently routed around the problem to protect your account and maintain recovery rates.
Respects card network rate limits (Visa, Mastercard) to prevent excessive retry flags that could increase your decline rates or trigger account reviews.
Every incoming webhook is verified and deduplicated at the edge before processing. Duplicate events are automatically detected and discarded, preventing double-processing that could lead to incorrect retry decisions.
50+ decline codes sorted into actionable categories. Every code gets a strategy, not just a label.
insufficient_fundsdo_not_honorprocessing_errortry_again_laterStrategy: Retry with ML-optimized timing based on payday cycles and issuer patterns
stolen_cardfraudulentcard_not_supportedpickup_cardStrategy: Auto-skipped immediately. No retry attempts. Customer notified to update card.
Want the full picture? See Decline Intelligence for our complete decline code taxonomy.
Native integrations with the processors you already use.
Start your 14-day free trial and let the Smart Retry Engine recover payments you thought were lost. No credit card required.
14-day free trial on all plans. No credit card required.
Understand why payments fail with 50+ decline code classifications and actionable insights.
Send context-aware dunning emails that recover more revenue with less subscriber friction.
Design multi-step recovery workflows with drag-and-drop simplicity.
Transparent plans from $149/mo. See which tier fits your recovery needs.
Compare every feature across all LostChurn plans side by side.
See how LostChurn smart retries outperform Stripe built-in recovery.