Failed payment recovery, by decline reason.
A low balance, an expired card and a stolen card are three different problems. This system reads why each Stripe payment failed, handles it the right way, and shows the status in your CRM.
Why one dunning schedule is not enough
Stripe can retry failed payments and email customers on its own, and that helps. But the recovery happens inside Stripe, where most of your team never looks, and every failure tends to get a similar treatment.
A low balance often clears on the next retry. An expired card will fail every time until the customer updates it, so retrying just burns attempts. A card reported stolen should never be retried at all. Treating the three the same way loses money on the first two and creates risk on the third.
Five steps, every time.
Stripe Payment Recovery
Stolen, lost or blocked cards and unknown reasons go straight to your team. They are never retried.
- Retry later
- Ask for a new card
- Send to your team
How each failure is handled
Retryable: low balance or a soft decline
The customer gets a short notice and the invoice is rechecked on day one, three and seven.
Needs an update: expired card or wrong details
Retrying would fail the same way, so the customer is asked to update their card instead.
Needs review: stolen, lost or blocked card
Never retried. Your team is alerted with the customer and invoice details.
Unknown reason
The system does not guess. Your team is alerted.
One case per invoice
Stripe's own retries are tracked inside the same case, so the customer never gets duplicate emails.
Recovered only when paid
A case closes only when Stripe reports the invoice paid. Still unpaid after the last attempt, your team is warned before the subscription lapses.
Works with your tools
Built on Stripe with GoHighLevel and Gmail. The status can land in HubSpot or another CRM instead. See all integrations.
What you get
- A map of your process, agreed before we build
- The system running inside your own tools
- Testing on your real data before anything reaches a customer
- A log of every action and the reason for it
- Documentation your team can read, and a fixed price with no retainer
Questions, answered.
Doesn't Stripe already handle dunning and retries?
Yes, and this works alongside it. The difference is that each failure is handled by its reason, stolen cards are never retried, and the status shows up in your CRM.
Which decline reasons does it handle?
It groups Stripe's decline codes into retryable, needs update, needs review and unknown. Each group has its own path, and you can move a code between groups.
Will customers get duplicate emails?
No. There is one case per invoice, and Stripe's own retries are tracked inside it.
Where does my team see the status?
On the customer record in your CRM. Nobody needs to open Stripe to know where a customer stands.
What access do you need to our Stripe account?
A restricted API key with only the permissions the system needs, plus a webhook for payment events. We don't need your login.
How long does it take to set up?
Usually one to two weeks, including testing with Stripe's test cards for every decline type.
Failed payments sitting in an inbox?
Show us how failed payments are handled today. On a 30-minute call we'll map the paths and tell you what we'd build.
Not ready for a call? Describe one process in writing and we'll reply with what we'd build.