01 RECOVER PAYMENTSFAILED PAYMENTS
Get back the payments that failed for no good reason.
Most failed payments are an expired card or a bad day at the bank. NoChurn retries at the right moment, writes the email, and gives your customer a ten-second way to fix their card.
HOW IT WORKS
Four steps, all automatic.
- 01
A payment fails
NoChurn reads the failure from your billing, with the decline code, the plan and the customer’s history. A recovery opens in the dashboard.
- 02
It picks the right retry
Retries land on likely paydays (the 1st, the 15th, the last working day, Fridays) in the customer’s time zone. A hard decline, like a stolen card or a closed account, skips straight to the email.
- 03
It writes the email
Day 0, 3, 7 and 14 by default. Each email is written for this customer: plan, language, how long they have been with you, why the payment failed. It is checked before it leaves.
- 04
The card gets updated
A signed link opens a hosted page, no login needed. The new card becomes the default and the invoice is retried. The recovery closes as recovered or lost, with the reason.
WHAT YOU CONTROL
Your rules, your tone, your call.
Who retries
Keep your provider’s own retries, or let NoChurn take over the schedule. One switch per billing connection.
Retry window
Pick the days and hours retries may run. NoChurn stays inside them.
Email sequence
Change the days, the number of emails and the tone. Every email can be previewed before it goes live.
Human review
Let the automatic checks send, or ask for a person to approve each email first.
Your brand
Your logo, colors, sender name and reply-to. Replies come back to your team.
Replies sorted for you
Customer replies are sorted: card changed, wants to cancel, invoice question, other. Each one triggers the right action or goes to your team.
BUILT IN
Rules you don’t have to think about.
NO CARD DATA
Card numbers never reach NoChurn
NoChurn sees the brand, last 4 digits, expiry, country and type. The card itself stays with your payment provider.
CHECKED
No email without a check
Length, links, tone, and no promise you did not set up. Anything that fails the check waits for a person.
TRACED
Every decision is written down
Why a retry was scheduled, why an email was sent, why a recovery closed. All of it shows on the customer’s timeline.
INTEGRATIONS
Works with your stack.
What NoChurn does on failed payments depends on who collects the money. Merchants of record and app stores run their own recovery.
NoChurn runs it
- StripeRetries timed to the decline reason and the customer’s payday, AI-written emails and a hosted page to update the card.
- Any billing, by APINoChurn decides when to retry and sends the emails; your billing runs the charge when the webhook says so.
- ChargebeeAI-written emails with a link to update the payment method, alongside your Chargebee dunning.
- RecurlyAI-written emails with a link to update billing info, alongside your Recurly dunning.
- MaxioAI-written emails with a link to update the payment profile, alongside your Maxio dunning.
- ZuoraAI-written emails with a link to update the payment method, alongside your Zuora payment runs.
- BraintreeAI-written emails with a link to update the payment method, alongside Braintree’s subscription retries.
- MollieAI-written emails with a link to pay again and set up a new payment method.
- GoCardlessAI-written emails sent at the right time for Direct Debit, which takes days to settle. When a mandate is cancelled, the email links to a new one.
- RazorpayAI-written emails with a link to pay again or change the payment method.
The provider runs it
- PaddlePaddle collects the payment and runs its own payment recovery. NoChurn shows each failure in the customer timeline and in the churn score.
- Lemon SqueezyLemon Squeezy collects the payment and runs its own payment recovery. NoChurn shows each failure in the customer timeline and in the churn score.
- PolarPolar collects the payment and runs its own payment recovery. NoChurn shows each failure in the customer timeline and in the churn score.
- App StoreApple retries the payment. NoChurn tells the user in your app or by email and links to Apple’s subscription settings.
- Google PlayGoogle retries the payment. NoChurn tells the user in your app or by email and links to the Play subscription page.
API
Also in the API.
Using your own billing? Send failed payments to the API. NoChurn decides when to retry and tells you through a signed webhook.
API reference/v1/payments Report a payment, failed or successful /v1/recoveries List open, recovered and lost recoveries billing.retry_requested Your billing runs the charge now recovery.recovered The payment went through recovery.lost The sequence ended without a payment FAQ
Questions people ask.
Does NoChurn replace Stripe’s Smart Retries?
Only if you want it to. You can keep Stripe’s retries and use NoChurn for the emails and the card update page, or let NoChurn take over the retry schedule for that Stripe account.
Who writes the recovery emails?
NoChurn writes each one with AI, from the plan, the language, the customer’s tenure and the decline reason, in the tone you set. Every email is checked before sending, and you can require a person to approve them.
Can I test it without charging anyone?
Yes. With a test key or Stripe test mode, nothing real is charged and no email leaves NoChurn. You see every step in the dashboard as if it were live.
What happens when a customer replies?
The reply is sorted. If the customer says they changed their card, NoChurn checks and retries. If they want to cancel, the cancel is honoured. Anything else goes to your team.
Guides on failed payments
All guides →- FAILED PAYMENTS
How many times should you retry a failed payment? Retry schedules compared across billing platforms
How many retries, over how many days: Stripe, Chargebee, Recurly, Paddle, Lemon Squeezy, Mollie, Braintree, App Store and Google Play rules side by side.
8 min read
- FAILED PAYMENTS
Braintree Account Updater and expiring cards
How Braintree Account Updater refreshes vaulted cards, its limits for subscriptions, network tokens, the Expiring Cards report, and how to cover the cards it misses.
5 min read
- FAILED PAYMENTS
How failed payments work on Paddle Billing, and what you can add
What Paddle Billing does when a renewal fails: past_due status, default retries, Retain Payment Recovery, update-payment links, and what you can add on top.
5 min read
More from NoChurn
Read https://www.nochurn.sh/llms.txt,
then follow https://www.nochurn.sh/docs/quickstart/
to add NoChurn to this app. Use a test key
(nc_test_…) until I say we go live.
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