20–40% of subscription churn is involuntary — expired cards, insufficient funds, bank declines. RetryFlow recovers that revenue automatically. Flat price. EU/SEPA-ready. No dev work.
Failed payments aren't a billing problem — they're a churn problem. Here's what founders deal with every single month:
Expired cards, insufficient funds, "do not honor" declines. It happens on autopilot — you don't even see it until MRR drops.
They're plain, land in spam, and the "update card" link often expires. Most customers never even open them.
Retries fire at the wrong time (retrying "insufficient funds" 30 minutes later = declined again). You lose the other 43%.
Churnkey, Baremetrics Recover, ProfitWell — priced for scale-ups. Overkill and unaffordable under $20K MRR.
No SEPA support, no VAT-aware invoices, English-only emails. EU and non-US founders are left patching it themselves.
Most founders can't tell you their involuntary churn rate. What you can't measure, you're bleeding.
Real pain, in their own words:
"Losing ~$26K/year to failed payments I never followed up on. Stripe just… gives up."
"Every dunning tool is either $300/mo or built only for US cards. I'm in the EU with SEPA. Nothing fits."
"Half my 'churn' was people whose cards expired. They came back the second I emailed them manually."
Move the sliders. The numbers update instantly. Most founders are shocked.
The good tools cost $250+ or take a cut of your money. The cheap ones are US-only, no SEPA. We're neither.
| Tool | Price | The catch |
|---|---|---|
| RetryFlow | $19 flat | Keep 100% of recovered $ · SEPA + multilingual · never scales with your MRR ✅ |
| Stripe Smart Retries | Free | Only re-swipes the card — no real outreach, leaves 20–40% unrecovered |
| Churnkey | $250–990/mo | Enterprise pricing, overkill & complex for plain dunning |
| Baremetrics Recover | $58–1,379/mo | Price scales with your MRR — you're punished for growing |
| Stunning | $120/mo | Stripe-only, no SEPA, clunky fragmented UX |
| FlyCode / Butter | 5–15% of recovered | Takes a cut of your own money; bills for natural recoveries |
| Gravy | 15–25% of recovered | Expensive at scale, sales-call-only, enterprise-focused |
| ChurnNote / Recova / Stuut | $19–49/mo | Cheap, but US-only — no SEPA, no multilingual, no VAT |
Our one-line difference: $19 flat, keep 100% of what we recover for you, built for EU/multilingual SaaS from day one.
We're building this now and onboarding a small group of design partners at a founder price. Tell us where it hurts and we'll reach out.