Recovery Engine

How SoftChurn automatically recovers failed payments and maximizes retention.

Recovery runs automatically in the background as soon as Stripe reports a failed payment. No manual intervention required.

How It Works

1

Payment Fails

A customer's credit card declines, their subscription expires, or an error occurs. Stripe notifies SoftChurn immediately.

2

Smart Retry Scheduling

SoftChurn queues automatic payment retries on your configured schedule (default: days 1, 3, 5, 7, 10, 14, 21, 28).

3

Dunning Email Sequence

Personalized emails notify the customer of the payment failure and encourage them to update their payment method.

4

Payment Recovered

When a retry succeeds, the customer's service is restored and SoftChurn notifies you via webhook.

Configuration

Retry Attempts

Control how many times SoftChurn retries a failed payment:

  • Starter: Up to 4 retry attempts
  • Growth: Up to 8 retry attempts
  • Scale: Up to 8 retry attempts + custom scheduling

Retry Schedule (Scale only)

Customize when retries happen. Configure as a JSON array of days after the initial failure:

[1, 3, 5, 7, 10, 14, 21, 28]

This means: retry on day 1, day 3, day 5, etc. Adjust based on your business model.

Dunning Emails

Set up an email sequence to inform customers of payment failures:

  • Starter: Up to 3 emails
  • Growth/Scale: Up to 5 emails

Configure the timing in your dunning email schedule. Day 0 = send immediately; Day 3 = send 3 days after failure.

Grace Period

Number of days before the service is suspended. Default: 7 days. Customers have this window to update their payment method.

Advanced Features

Smart Retry (All Plans)

SoftChurn automatically learns which decline types respond better to immediate vs. delayed retries. Soft declines (temporary issues) are retried faster than hard declines (card expired, etc.).

Email Tracking (Growth+)

See when customers open dunning emails and click recovery links. Helps identify engaged users likely to succeed on retry.

A/B Testing (Growth+)

Test multiple email subject lines and content variations to find what works best for your audience.

Pre-Dunning Alerts (Scale)

Detect cards expiring soon and proactively ask customers to update their payment method before failure occurs.

Custom Retry Strategy (Scale)

Fine-tune retry timing per decline type. For example, retry soft declines more frequently early on.

Metrics to Track

Recovery Rate

(Recovered Payments / Failed Payments) × 100. Target: 30-50%+

Revenue Recovered

Total $ recovered vs. total failed. Monitor month-over-month growth.

Email Engagement

Open rate and click-through rate of dunning emails.

Time to Recovery

Average days between failure and successful recovery.

Best Practices

Benchmark: Most SoftChurn accounts see a 30-45% recovery rate within the first month. If you're below 20%, try tweaking retry timing or dunning copy.

  • Start conservative: Begin with moderate retry attempts and gradually increase based on recovery rates.
  • Customize emails: Personalize dunning emails with your brand voice and helpful instructions.
  • Monitor metrics: Check your recovery rate monthly. Adjust settings if it's below 20%.
  • Test variations: Try different email subject lines and timing to find what resonates.
  • Honor grace period: Don't suspend service before the grace period expires—give customers time to respond.