SaaS companies silently lose 5-9% of MRR every month to involuntary churn — credit cards decline, nobody catches it in time, the customer disappears. This agent runs the entire dunning lifecycle: classifies every failure (hard vs soft decline), assigns the right retry schedule, sends escalating-but-never-shaming email + SMS sequences, and reports the recovered MRR every month so finance knows exactly what was saved. ## What's included - **Stripe / Paddle / Braintree webhook integration** — captures every failed charge in real-time; tags the failure code, customer tenure, plan tier, lifetime value - **Hard vs soft decline classification** — hard (do not retry: stolen card, fraud, account closed) routes to immediate human outreach + cancellation prep; soft (insufficient funds, expired card, processor error) gets the retry schedule - **Smart retry timing** — by timezone (charge at 9 AM local, not 3 AM), by payday cycle (Friday + 1st + 15th + 16th hit-rates), by historical pattern for that specific customer; retry caps at 4 attempts over 14 days to avoid card-issuer blocks - **Multi-stage email sequence** — Day 0 friendly heads-up ("we couldn't process your payment, no action needed if it works tomorrow"), Day 3 update card link, Day 7 supportive + value reminder, Day 11 urgency without shame, Day 14 final notice; every email warm, never aggressive - **SMS nudges** — for plans >$50/mo: short text on Day 7 + Day 12 with one-tap update-card link; opt-in respected - **In-app banner copy** — dynamic banner shown to logged-in users with failed payments: "Update your card to keep access — takes 30 seconds" - **Win-back drips for cancelled accounts** — 30 / 60 / 90 day re-engagement with new-feature highlights, discount offer (your choice), exit interview ask - **Cohort analytics** — recovery rate by failure code, channel, plan tier, customer tenure; identifies which messages and timing are actually working - **Monthly ROI report** — MRR saved this month, % of involuntary churn recovered, top failure codes, customers requiring manual outreach, projection for next month ## Limitations - **Not a payment processor** — orchestrates retries through your existing Stripe / Paddle / Braintree; doesn't move money itself - **Not a CRM** — pairs with HubSpot / Salesforce / Customer.io for full lifecycle; pushes recovery events as webhooks - **Not legal counsel** — dunning copy is calibrated for U.S. + EU friendliness; complex collections / chargebacks need an attorney - **Single-currency / single-region** per workflow by default — multi-region SaaS runs per-region instances for timezone + language accuracy - **No automatic refund handling** — focused on saving MRR going forward, not litigating past charges ## Best fit B2B and B2C SaaS companies on Stripe, Paddle, or Braintree with monthly or annual subscriptions, MRR between $20K and $5M. Especially valuable in the $50K-$500K MRR range where involuntary churn is meaningful ($2.5K-$45K/month) but not large enough to justify a full-time billing ops hire. At $29/mo, recovering even ONE failed annual payment of $200+ per month covers the subscription. Most customers see 30-50% reduction in involuntary churn within 60 days.
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