Win back every declined payment
Tuesday it failed.
Friday it paid.
- Amount
- $1,240.00
- Plan
- Pro, annual
- Card
- Debit ···· 0341
- Tue 14:02Charge declinedinsufficient_funds on a $1,240.00 renewal
- Tue 14:02Read as a soft declineHer last six payments cleared on the 1st and the 15th
- Tue 14:03Emails heldMost soft declines clear by themselves, so nobody is nagged
- Fri 09:10Retried after payday83% likely at this hour for this bank
- Fri 09:10Approved$1,240.00 recovered. The customer never knew.
A quarter of your churn never chose to leave. Their card just failed. Stanch reads every decline, retries when the money is actually there, and only asks the customer when the bank needs them to.
Most churn isn't a goodbye.
It's a decline.
Banks give a reason with every failed charge. Most billing tools ignore it and retry on a fixed timer. Stanch treats each reason as a different problem, with its own playbook.
The money wasn't in the account at that moment. It usually is a few days later.
- Day 0Hold every email. Most of these clear without the customer.
- PaydayRetry the morning after this customer's usual payday, read from their past charges.
- Day 9If it fails twice, one SMS with a one-tap link.
One queue.
Every failure
has a plan.
Each failed invoice lands here with its decline read, its next move chosen and its time set. Your team only opens it to see what came back.
When it's on the customer, it's one tap.
Some declines need a person: a bank asking them to confirm, a card that's gone. Stanch writes to them once, in your voice, with a link that opens straight to pay.
- Day 0NothingSoft declines get a silent retry first. Most never need the customer.
- Day 2SMSOnly if the bank needs them. One line, your name on it, one link.
- Day 5EmailNames the card and the amount. No “action required” panic.
- Day 8In-appA banner the next time they sign in, then a pause instead of a cancel.
Retry when the money
is actually there.
A fixed retry 24 hours later lands mid-week, mid-afternoon, three days before payday. Stanch learns when each customer's bank says yes, and waits for it.
Pay out of what we win back.
If Stanch recovers nothing, Starter costs nothing. Every plan runs on your existing processor; your customers' cards never touch our servers.
Growth
Recover $40,000 in a month: you pay $1,899 and keep $38,101.
- Everything in Starter
- Payday-timed retries per customer
- SMS and one-tap pay links
- In-app banners and pause instead of cancel
- A/B test against your current retries
Objections, retried.
Every question a buyer asks us, filed like a declined charge. Retry one to read the answer.
annoys_customersWon't retries and messages annoy my customers?
network_standingCan retrying hurt my standing with Visa or Mastercard?
card_dataDo you store my customers' card numbers?
setup_timeHow long does it take to set up?
already_have_retriesMy billing tool already retries. Why switch?
recovers_nothingWhat if you don't recover anything?
Somewhere in your billing,
a card is failing right now.
Connect your processor and Stanch shows you, before you pay anything, how much of the last 90 days it would have brought back.
- 4 min to connect
- 0 card numbers stored
- SOC 2 Type II