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Chaser – Stripe failed-payment recovery that reports the losses too

Chaser launches a Stripe-integrated failed-payment recovery tool that automatically handles routine failures and routes high-stakes accounts to humans, writing every outcome back to the ledger. The platform forecasts upcoming renewals, classifies failures by root cause, and offers in-app recovery surfaces to reduce involuntary churn, which accounts for 40% of total churn in subscription businesses.

read6 min views1 publishedJun 19, 2026
Chaser – Stripe failed-payment recovery that reports the losses too
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Chaser recovers the revenue you lose to failed payments, automatically handling the routine ones and routing the high-stakes accounts to a human before anything goes out. Every outcome, recovered or lost, gets written back to your ledger.

Read-only Stripe OAuth with restricted scopes · 90-day diagnostic on your real ledger · Zero customer emails until you approve

Works with Stripe Billing, WooCommerce, Chargebee, and custom carts. If it bills through Stripe, Chaser protects it. PayPal subscriptions are supported in beta.

New: Connect Claude, Cursor, or any MCP client to your workspace. Read-only, workspace-scoped, revocable.

Account Failure signal Renews Amount Status
Northwind Logistics Insufficient funds · Visa ····4242 Jun 14 $4,820.00 At Risk
Acme Corp Card expires in 6 days Jun 18 $12,400.00 At Risk
Horizon Tech 3DS authentication required Jun 19 $3,850.00 At Risk
Wayne Enterprises Issuer fraud block Jun 22 $2,100.00 At Risk
Globex Industrial Card replaced · stale credential Jun 25 $7,300.00 At Risk

Voluntary churn gets a dashboard, a team, and a quarterly review. Involuntary churn silently writes off revenue you already earned: expired cards, soft declines, 3DS friction.

of recurring payments fail on first attempt across subscription businesses.

of total churn is involuntary: customers who never decided to leave.

of that revenue is recoverable with timed retries, card updating, and well-sequenced outreach.

Industry benchmark ranges. Don't trust benchmarks. Connect read-only and Chaser computes your exact number from 90 days of your own Stripe history, in under a minute.

Every other recovery tool is a black box: retries, templated emails, and hope. Chaser is built on a different bet: automation handles the volume, a human makes the judgment calls, and every piece of context is already on the table.

Every resolution (paid out-of-band, resend, cancellation) is written back to Stripe and logged with operator, timestamp, and the full recovery history. The exception queue is where your team works; the audit trail is what your accountant gets.

Chaser forecasts every upcoming Stripe renewal and splits the number into covered and at-risk, scored with a confidence level. You see the leak before it bills, not in next month's revenue report.

One closed loop, from the renewal calendar to your system of record. Each stage hands off to the next. Nothing falls through.

Chaser models your upcoming renewal cycles and isolates high-risk accounts before the charge is attempted.

Every failure is classified by root cause and mapped to a named recovery playbook: retry timing, branded outreach, secure card-update links.

Cases the playbooks don't resolve, plus anything your VIP or threshold rules flag, arrive in your command center pre-classified, with live Stripe state and the full sequence history attached.

Every outcome syncs to Stripe and your finance stack with operator, timestamp, and full history. A record your auditors can follow.

Generic billing tools show you a payment failed. Chaser identifies the root cause and maps it to a predefined playbook, with recommended action, retry timing, and customer messaging included.

The full operator drawer (drafts, actions, snooze defaults) ships inside the product.

Even the best dunning emails don't reach everyone. In-App Recovery adds a second surface right where your customer already is: a branded banner or paywall inside your product, with a card update that never leaves your app.

A top-of-app strip that reinforces the email for customers already logged in. Closeable. Best for high-trust SaaS.

Stays until the card is fixed, returning every session. The backstop for customers who never opened the email.

A blocking modal for the cases email and banners didn't resolve. Highest conversion, highest friction.

The same branded card-update page every email and banner links to. Card fields served and tokenized by Stripe.

Available today: install the snippet and enable the toggle in Integrations to start showing the recovery banner to customers with open failed payments. Mint per-user tokens via the Chaser API or self-hosted HMAC. No SDK required. Signed webhooks fire on every closed outcome: recovered, churned, written off, or dismissed.

Update your card to keep your subscription active.

Chaser is designed to be evaluated by skeptical engineers and approved by careful finance teams. Every claim below is visible in the connection flow itself.

Connect through Stripe's official 1-click OAuth. Master secret keys are never touched, and you can see the exact scopes before granting anything.

Replay the last 90 days of your ledger and watch what Chaser would have recovered. Not a single customer email goes out until you approve.

Card details stay inside Stripe; Chaser only ever handles tokens. Row-level data isolation and 256-bit AES encryption, hosted on SOC 2 Type II certified infrastructure.

Closed Outcomes is a read-only record of every payment that reached a terminal state: recovered, churned, or impossible, with operator, timestamp, and reason. We report what wasn't recovered too, and it exports for your close.

Recovery modeled at ~70% of involuntary churn, the industry benchmark for timed retries, card updating, and recovery sequences combined.

That's $13,650 per year, a 3.3× return on the Growth plan ($349/mo).

The pays-for-itself guarantee. If Chaser doesn't recover more than it costs in your first active billing cycle, message us and we refund it in full. Verified in Closed Outcomes, a read-only, exportable audit of every recovered and lost dollar.

Every plan starts with a free 90-day revenue audit and a 30-day free trial, and the trial clock doesn't start until Chaser has recovered its first $100 for you.

Not sure which plan? Your tracked volume picks your tier.

For early founders plugging the first leaks. Full recovery engine from day one. Same product as Micro with room to grow. Pick this once you cross $10k tracked.

Where the feature set expands. Multi-operator workflows, AI grading, and Slack delivery.

For finance teams protecting serious recurring revenue across entities. Free 90-day revenue audit, then a 30-day trial that doesn't start until Chaser recovers your first $100.

Tracking more than $500k/mo? Dedicated infrastructure and white-glove implementation. Contact scale engineering. · Founding partner beta: first 50 companies get 50% off for life.

generic_decline is Stripe's catch-all for issuer refusals without a reason. Here's what it means, why retrying fails, and the recovery sequence that actually works.

One of the highest-impact declines on B2B SaaS. Why corporate cards block recurring charges and how to recover the revenue.

Involuntary churn is 20–40% of total SaaS churn — and the highest-ROI retention lever most teams ignore. Definition, formula, causes, real cost examples, and the reduction strategies that actually move the number.

We built Chaser because we were tired of watching good companies lose hard-earned customer relationships to expired cards and robotic collections logic. Involuntary churn is a solvable engineering problem, so we solved it like one.

Thierry / Founder, Chaser ·

Connect Stripe in Safe Mode and Chaser computes 90 days of recoverable revenue from your own ledger.

No risk. The trial clock doesn't start ticking until Chaser recovers its first $100 for you.

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