Every failed payment has a play. Here are ours.
Traditional billing platforms rely on static retry schedules that leave recoverable revenue on the table. Chaser, the Stripe-native failed-payment recovery tool, automatically executes 9 specialized recovery playbooks, adapting outreach, timing, and retry logic to the reason a payment failed. It also flags suspicious payment activity that might otherwise go unnoticed. Run it on autopilot or customize it to fit your billing stack.
Card expiring
Card expires within 30 days. Both pre-expiry reminders sent. Customer hasn't updated.
Expired card
Card expired and the latest charge attempt failed.
Insufficient funds
Card is valid but the bank refused for funds. Often timing, not intent.
3DS required
Issuer wants the customer to approve the charge in their banking app.
Issuer fraud block
The bank flagged us as suspicious. Customer must whitelist the merchant.
Bank declined
Issuer refused without giving a useful reason.
Card replaced
Customer added a new card after the failure. We likely just need one more attempt.
VIP: no email sent
High-value invoice that was held back from automated dunning by design.
Rep follow-up
A rep already spoke to the customer and logged a commitment. Time has passed.
Not every revenue risk shows up as a decline. Chaser also watches successful charges for patterns that quietly drive churn.
Usage & bill spike anomaly
Anomaly Alert Principle: Usage spikes represent high friction. Our engine automatically silences background Stripe retries, delivers a single itemized diagnostic email, and routes directly to Human Review on Day 2 to protect account goodwill.
More signals coming
Chaser's playbook engine already covers the full spectrum of Stripe payment failure signals from expiry and 3DS to fraud blocks and rep follow-ups. Founding partners help us tune sensitivity and surface new edge cases, apply below to weigh in.
- Failed Payment Recovery: The Complete Guide for SaaSUnderstand how SaaS companies recover failed subscription payments.
- Involuntary Churn: Definition, Formula, and How to Cut ItLearn how payment failures drive churn and how to reduce it.
- Dunning Management Software: 2026 Buyer's GuideCompare approaches to automated revenue recovery.
Recent guides on recovery and churn
Stripe generic_decline: What It Means and How to Recover
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.
Stripe transaction_not_allowed: B2B SaaS Recovery Guide
One of the highest-impact declines on B2B SaaS. Why corporate cards block recurring charges and how to recover the revenue.
Involuntary Churn: Definition, Formula, and How to Cut It
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.
Stop running the "failed payment" play by hand.
Chaser classifies every failed payment into a named play, drafts the right email, queues the right human action, and tracks recovery without your team digging through Stripe. Join the Founding Partner Beta: the first 10 companies lock in 50% off for life and a direct line to the founder.
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