ChatGPT answers, unedited

Yes. If your shop has subscriptions/recurring payments, there are several tools specifically built for this.

Main options

• stripe.com — If you already use Stripe, start here. Stripe includes Smart Retries, which uses machine learning to determine retry timing, plus recovery automations and customer billing tools. Stripe says Smart Retries have recovered an average of 57% of recurring payments that initially failed. Stripe Stripe
• churnbuster.io — More specialized revenue-recovery software. It coordinates retries, email/SMS dunning, card-update flows, and subscription recovery, with retry behavior adapted to the type of failure. It integrates with Stripe, Recharge, Smartrr, Subbly, and others. Churn Buster Churn Buster Churn Buster
• churnkey.co — Another dedicated recovery platform, particularly useful if you're on Stripe. It offers precision retries, automated recovery campaigns, and an in-app payment wall that lets customers fix their payment method and immediately retry the charge. Churnkey Churnkey Documentation
• retrykit.com — A simpler Stripe-focused option aimed at smaller businesses. It advertises automated retries, dunning emails, and a pay-on-recovered-revenue model rather than a monthly subscription. RetryKit

What I'd look at for your shop

If you're already using Stripe, you may not need another service at all: Stripe Billing's native Smart Retries + recovery automations can handle a substantial portion of the workflow. Stripe

If you want more sophisticated recovery campaigns—for example, different retry schedules based on decline reason, multiple emails/SMS messages, card-update pages, and analytics—then Churn Buster or Churnkey are worth evaluating.

If you tell me what platform your shop runs on (Shopify, WooCommerce, custom, etc.), what you use for payments (Stripe, PayPal, Shopify Payments, etc.), and whether you sell subscriptions, I can narrow this down to the tools that actually integrate with your setup.

Yes. There are tools specifically built for failed payment retries, smart retry timing, dunning, and subscription recovery. The right choice depends on what your shop runs on (Shopify, WooCommerce, custom app, Stripe, etc.).

Some common options:

For a typical ecommerce/subscription shop, the stack often looks like:

1. Payment processor retry engine

• Automatically retries soft declines (expired cards, temporary bank issues, insufficient funds).
• Avoids wasting attempts on hard declines where a card update is needed. Stripe Docs Recurly
• Dunning automation

• Sends emails/SMS like:

• “Your payment failed”
• “Update your card”
• “Your subscription is at risk”
• Stops messages once payment succeeds. Recurly
• Customer recovery workflows

• Update payment method links
• Offer grace periods
• Alert high-value customers
• Pause instead of immediately canceling

If you tell me:

• what platform your shop uses (Shopify / WooCommerce / custom / SaaS app),
• your payment provider (Stripe, PayPal, Adyen, etc.),
• and whether you sell subscriptions or one-time orders,

I can suggest the most suitable setup.

Yes. What you’re describing is usually called payment recovery / dunning: automatically retry failed subscription payments, choose smarter retry timing, notify customers, and recover subscriptions before they churn.

Good options include:

• Stripe Billing — has Smart Retries, which automatically retries failed subscription/invoice payments, plus revenue-recovery analytics and dunning. Stripe Docs Stripe Docs
• Chargebee Revive — uses ML to determine retry timing from 200+ signals and combines this with automated dunning. It can distinguish situations such as insufficient funds versus an expired card. Chargebee
• Paddle Retain — provides smart retries, automated recovery emails, and payment-update flows, with recovery running automatically after a subscription renewal fails. Paddle Paddle Developer Docs
• Recurly — offers AI-driven Intelligent Retries plus dunning campaigns that can automatically stop once payment succeeds. Recurly Documentation Recurly Documentation

If this is for a Shopify shop

I'd narrow it down based on what your shop already uses:

Shopify + Stripe → Stripe's recovery features are worth evaluating first.

Shopify + subscription-heavy business → Recurly or Chargebee can make more sense if you want a dedicated subscription/revenue-recovery layer.

Paddle → Paddle Retain is particularly attractive if you're already using Paddle, because recovery is built into its billing ecosystem.

The important distinction is that you don't just want a tool that says “retry in 3 days.” A good system should:

1. Identify whether the failure is potentially recoverable.
2. Choose when to retry based on the failure/customer/payment context.
3. Stop retrying when a new payment method is required.
4. Automatically email/text the customer with a payment-update path.
5. Resume the subscription automatically when payment succeeds.
6. Track recovered revenue and involuntary churn.

If you tell me what platform your shop uses (Shopify, WooCommerce, custom, etc.), your payment processor (Stripe, PayPal, Shopify Payments, etc.), and whether you're selling subscriptions, I can recommend the best specific setup.

Yes. If your shop has subscriptions/recurring payments, there are several tools that automate exactly this:

• stripe.com — Smart Retries uses machine learning to choose retry timing, and Stripe also provides recovery automations, subscription-state handling, and a customer billing portal. Stripe
• chargebee.com — Strong option if subscription recovery is a major concern. Its Smart Dunning/Revive can distinguish hard vs. soft declines, dynamically schedule retries, and send payment-recovery emails. Chargebee Chargebee
• paddle.com — Particularly attractive for digital products/SaaS. Its Retain system combines algorithmic retries, automated dunning emails, in-app payment-update prompts, and recovery flows. Paddle Paddle

What I'd choose

If you're already using Stripe, I'd start with Stripe Billing rather than adding another system.

If you need a more sophisticated subscription-management + revenue-recovery platform, I'd look closely at Chargebee.

If you sell digital products/software internationally and want payments, billing, tax, and recovery more bundled together, Paddle is worth considering.

The typical automated flow looks like:

Payment fails → identify decline type → wait for optimal retry window → retry → email customer if needed → provide one-click payment update → retry again → recover subscription or eventually cancel/pause.

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, etc.) and whether you sell physical products or subscriptions, I can recommend the best setup and how I'd configure the retry/recovery sequence.

Yes. If your shop has recurring subscriptions, there are tools specifically built for this.

Two strong options are:

• stripe.com — has Smart Retries, which uses machine learning to choose retry timing, plus automated dunning/recovery workflows and customer billing management. Stripe says Smart Retries recover an average of 57% of recurring payments that initially failed. Stripe Stripe
• paddle.com — specifically focused on subscription recovery. It can automatically retry failed renewals, send recovery emails/SMS/in-app prompts, let customers update payment details, and pause/cancel subscriptions after a configurable recovery period. Paddle Developer Docs Paddle Developer Docs

What I'd choose

If you're already using Stripe, I'd start with Stripe Billing's built-in recovery rather than adding another service.

If you're selling digital products/SaaS and want an all-in-one subscription recovery layer, Paddle Retain is particularly compelling. It can also sit on top of billing systems such as Stripe Billing, Recurly, Chargebee, Braintree, and Zuora, so you don't necessarily have to migrate. Paddle Developer Docs Paddle

A typical automated flow would be:

Payment fails → smart retry → retry at an optimized time → email customer → payment-update page → retry again → pause/cancel if unrecovered → report recovered revenue.

If you tell me what your shop uses for payments/subscriptions (Shopify, Stripe, WooCommerce, Chargebee, etc.), I can recommend the best tool and setup for it.

Yes. If your shop has subscriptions/recurring billing, there are tools that automate the whole “failed payment → smart retry → customer reminder → subscription recovery” process.

Good options

• Stripe Billing — Smart Retries automatically chooses retry timing for failed subscription payments. You can also customize retry rules and trigger recovery workflows from payment-failure webhooks. Stripe Docs

stripe.com

• Chargebee — Probably the strongest fit if you want a dedicated subscription-recovery system. Its Smart Dunning dynamically determines retry timing, distinguishes hard vs. soft declines, and can retry up to 12 times. Chargebee Chargebee

chargebee.com

• Paddle Retain — Built specifically around subscription payment recovery. Its Tactical Retries use multiple signals to determine retry timing, while automated emails, in-app notifications, and payment-update forms help recover the customer. Paddle Paddle Developer Docs

paddle.com

• If you're on Shopify: there are also Shopify-specific recovery apps. For example, SubGuard detects failed subscription payments and automatically runs retries and recovery emails, with integrations for Appstle, Recharge, Seal, and Bold. SubGuard

getsubguard.com

What I'd choose

If you tell me what your shop runs on (Shopify + Recharge, Shopify + Appstle, WooCommerce, Stripe, etc.) and roughly how many subscriptions you have, I can recommend the best option and compare pricing, smart-retry capabilities, recovery emails, integrations, and expected setup effort.

Yes. If your shop has recurring subscriptions, there are several tools specifically built for this. The feature is usually called dunning / payment recovery.

• Stripe Billing — probably the easiest choice if you're already on Stripe. Its Smart Retries automatically chooses retry timing using dynamic signals, and you can combine that with failed-payment emails, automatic card updates, and custom recovery automations. Stripe recommends 8 retries over 2 weeks as its default Smart Retry policy. Stripe Docs Stripe Docs

docs.stripe.com

• Chargebee Revive — more specialized around subscription revenue recovery. Its ML system evaluates 200+ signals to decide when to retry, while its traditional Smart Dunning lets you define your own retry rules and customer notifications. Chargebee

chargebee.com

• Paddle Retain — particularly interesting if you use Paddle. It combines algorithmic retries with automated recovery emails and in-app payment-update prompts. Paddle says Retain can retry over a 30-day recovery window. Paddle Paddle Developer Docs

developer.paddle.com

What I'd choose

If you're already using Stripe, I would start with Stripe Billing + Smart Retries + Revenue Recovery rather than adding another service. It handles the basic flow automatically:

Payment fails → smart retry → customer notification/payment-update link → retry again → recover subscription or eventually cancel/pause. Stripe Docs Stripe Docs

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, Paddle, Chargebee, custom site, etc.) and whether you're selling subscriptions or one-time purchases, I can recommend the best setup and show you exactly how I'd automate the recovery flow.

Yes. There are tools specifically built for failed payment retries, smart retry timing, dunning, and subscription recovery. The best choice depends on what your shop runs on (Shopify, WooCommerce, Stripe, custom checkout, etc.).

Common options:

• stripe.com — Best if you already use Stripe. It includes Smart Retries, automatic failed-payment recovery, customer emails, card update flows, and configurable recovery automations. Stripe Docs Stripe Docs
• chargebee.com — Built for subscription businesses. Its recovery tooling includes intelligent retries, dunning workflows, and subscription lifecycle management. Chargebee Chargebee Support Portal
• recurly.com — Subscription-focused billing platform with AI-driven retry logic and dunning campaigns. Recurly Documentation Recurly Documentation
• churnkey.co — Focuses more broadly on churn prevention and retention flows, especially for subscription businesses.
• profitwell.com — Subscription recovery tooling (now part of Paddle) focused on recovering failed payments and reducing involuntary churn.

A typical recovery setup looks like:

1. Payment fails
2. System classifies the failure: - Temporary decline → retry later
3. Insufficient funds → retry around likely funding times
4. Expired card → request card update
5. Hard decline → stop retrying and contact customer
6. Automated emails/SMS remind the customer
7. Customer updates payment method
8. Subscription resumes automatically

For a small online shop, I’d usually start with:

• Shopify + subscriptions: use your subscription app’s built-in dunning/recovery first.
• Stripe subscriptions: enable Stripe Smart Retries before adding another tool. Stripe Docs
• Growing SaaS/membership business: consider Chargebee or Recurly for deeper lifecycle controls. Chargebee Recurly Documentation

If you tell me what your shop uses (Shopify, WooCommerce, Stripe, Paddle, custom checkout, etc.) and whether you sell physical products or subscriptions, I can narrow it down.

Yes. What you’re describing is usually called payment recovery, smart retries, or dunning.

A few strong options:

• Stripe Billing — built-in Smart Retries automatically determines when to retry failed subscription payments. You can also automate customer emails and decide whether subscriptions remain past-due, become unpaid, or cancel after recovery attempts fail. Stripe Documentation Stripe Documentation
• Paddle Retain — particularly focused on subscription recovery. Its Tactical Retries use multiple signals to determine retry timing, alongside automated recovery emails, in-app prompts, and payment-update forms. Paddle Paddle Developer Docs
• Chargebee Revive / Smart Dunning — uses billing and transaction context to choose retry timing, distinguishes hard vs. soft declines, and can automate recovery communications and the final subscription action. Chargebee Chargebee
• RetryKit — a simpler third-party option if you're already using Stripe. It handles failed-payment detection, retry scheduling, and a recovery email sequence, charging based on recovered revenue. RetryKit

What I'd choose for a shop

If you're already using Stripe, I'd start with Stripe Billing's native Smart Retries rather than adding another service. It's integrated directly into the payment/subscription lifecycle, so you don't have to build your own retry engine. Stripe Documentation

A typical recovery flow would be:

Payment fails → classify failure → smart retry → customer gets recovery email → customer updates card if necessary → retry again → recover subscription → otherwise pause/cancel

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, Squarespace, custom site, etc.) and whether you're selling subscriptions or one-time purchases, I can recommend the best specific tool and setup.

Yes. What you’re describing is usually called payment recovery, smart retries, or dunning.

A few strong options:

• Stripe Billing — probably the easiest if your shop already uses Stripe. Its Smart Retries automatically determines when to retry failed subscription payments, and Stripe can also send failed-payment emails, update eligible expired/replaced cards, and determine what happens if recovery ultimately fails. Stripe Docs Stripe Docs

docs.stripe.com

• Chargebee Revive — more focused on subscription businesses. Its ML-based recovery evaluates 200+ signals and chooses whether/when to retry, while its Smart Dunning provides configurable rules and customer emails. Chargebee Chargebee
• Paddle Retain — particularly interesting if you're selling SaaS/digital subscriptions. It combines algorithmic retries with automated dunning emails, in-app recovery prompts, and payment-method update forms. Paddle Paddle Developer Docs

What I'd choose

If you're a typical Shopify/e-commerce shop with recurring subscriptions, I'd first look at Stripe Billing's Smart Retries if Stripe is already your payment processor. You may not need another service at all.

A good recovery flow looks like:

Payment fails → identify soft vs. hard decline → smart retry → email customer if needed → prompt for new card → retry again → recover subscription → only cancel after the recovery window expires.

The important part is not blindly retrying every failure. For example, Stripe distinguishes situations where retrying makes sense from hard declines where a new payment method is required. Stripe Docs

If you tell me what platform your shop runs on (Shopify, WooCommerce, custom, etc.) and what you use for payments (Stripe, PayPal, Shopify Payments, etc.), I can recommend the best tool/setup for your exact stack.

Yes. If your shop runs on subscriptions/recurring billing, payment recovery (dunning) tools can automate exactly this: failed-payment retries, retry timing, customer emails, card updates, and eventually pausing/canceling subscriptions.

Two strong options:

• Stripe Billing — has Smart Retries, which uses Stripe's ML to determine when to retry failed recurring payments. It also supports failed-payment emails, expiring-card reminders, and hosted pages where customers can update payment information. Stripe says Smart Retries recover an average of 57% of recurring payments that initially failed. Stripe Stripe
• Chargebee — more subscription-management-focused. Its Smart Dunning/Revive can classify failures, choose retry timing, send recovery emails, and handle what happens to the subscription after recovery attempts are exhausted. Its newer Revive system uses 200+ signals for retry decisions. Chargebee Chargebee

What I'd choose

If you're already using Stripe, I'd start with Stripe Billing's built-in Revenue Recovery rather than adding another system.

If you have a larger subscription operation, multiple payment gateways, or complex subscription lifecycle, Chargebee is worth considering.

If by "shop" you mean something like Shopify, the answer changes somewhat—you'd typically want a subscription/payment-recovery app that integrates with Shopify rather than replacing your whole billing system.

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, custom, etc.) and roughly how many subscriptions you have, I can recommend the best tool and show you how I'd set up the retry/recovery flow.

Yes. If your shop has subscriptions/recurring billing, there are several tools specifically built for this.

• stripe.com — If you already use Stripe, its Smart Retries automatically determines when to retry failed subscription payments. You can also configure dunning and customer payment-update flows. Stripe Docs
• churnbuster.io — A dedicated revenue-recovery layer that works with Stripe, Shopify subscription tools, Recharge, Loop, and others. It combines adaptive retries, recovery emails/SMS, card-update pages, and subscription reactivation. Churn Buster Churn Buster
• paddle.com — Particularly strong if you want an all-in-one recovery system. Its Tactical Retries use 15+ signals to determine retry timing, alongside automated emails and payment-update flows. Paddle Paddle
• chargebee.com — Designed for subscription businesses using Chargebee. Its ML-based system evaluates 200+ signals and decides whether to retry now, retry later, or request a card update. chargebee.com

What I'd pick for a shop

If you're on Shopify + Recharge/Loop/etc., I'd look closely at Churn Buster. If you're already on Stripe, start with Stripe Billing's native recovery before paying for another layer.

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, Recharge, etc.), roughly how many subscriptions you have, and whether you want email/SMS recovery too, I can narrow it down to the best 2–3 options and compare pricing/features.

Yes. What you’re looking for is usually called payment recovery, dunning, or subscription revenue recovery.

A few good options:

• stripe.com — If your shop already uses Stripe, this is probably the easiest starting point. It has Smart Retries, which uses machine learning to choose retry timing, plus failed-payment emails, hosted payment-update pages, and recovery automations. Stripe says Smart Retries recover an average of 57% of recurring payments that initially fail. Stripe Stripe
• churnbuster.io — More specialized in subscription recovery. It can coordinate failed-payment retries with email/SMS campaigns, card-update flows, and recovery offers. It integrates with Stripe, Recharge, Loop, Stay AI, Rivo, and others. Churn Buster Churn Buster Churn Buster
• recurly.com — A broader subscription-billing platform with Intelligent Retries and dunning campaigns. Its retry engine adjusts timing based on failure type and transaction data, while dunning handles customer communications. Recurly Recurly

What I'd choose

If you're already on Shopify + Stripe, I'd first look at Stripe's built-in recovery before adding another service.

If you have a meaningful subscription business and want more sophisticated email/SMS recovery, segmentation, testing, and win-back flows, Churn Buster is worth evaluating.

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, Recharge, etc.) and roughly how many subscriptions/payments you have per month, I can recommend the best setup and estimate what the recovery automation could look like.

Yes. If your shop has subscriptions/recurring payments, there are several tools built specifically for this. The category is usually called payment recovery, dunning, or revenue recovery.

Good options:

• Stripe Billing / Smart Retries — best if you already use Stripe. It automatically retries failed recurring payments using optimized retry timing.
• chargebee.com — uses ML to decide when to retry and combines retries with automated dunning/customer recovery. It can evaluate 200+ signals per failed transaction. Chargebee
• recurly.com — a standalone recovery layer that can work with an existing billing stack; Recurly also has ML-powered Intelligent Retries. Recurly Recurly Documentation
• learn.profitwell.com — combines smart retries, automated recovery emails, and in-app payment-update prompts. ProfitWell

What I'd choose for a shop

If you tell me what platform your shop runs on (e.g. Shopify, WooCommerce, Stripe, custom) and roughly how many subscriptions/payments you have per month, I can narrow it down to the best 2–3 options, including pricing and how much engineering work each requires.

Yes. If your shop has subscriptions/recurring payments, there are several tools built specifically for this.

• stripe.com — probably the simplest if you already use Stripe. Its Smart Retries uses machine learning to choose retry timing, and you can combine it with automated dunning/customer emails and card-account updating. Stripe recommends a default of 8 attempts over 2 weeks, with customizable policies. Stripe Docs Stripe
• recurly.com — focused heavily on subscription revenue recovery. Its Intelligent Retries dynamically determines retry timing, while its dunning campaigns handle customer communication. Recurly Recurly
• paddle.com — particularly interesting for SaaS/digital subscriptions. Its Retain product combines smart retries, automated dunning emails, and in-app payment-update prompts. Paddle Paddle Developer Docs
• chargebee.com — has Revive, which evaluates hundreds of signals to decide whether/when to retry, plus rules-based Smart Dunning if you want more control. Chargebee

What I'd choose

If you're a typical ecommerce shop:

Already using Stripe → Stripe Smart Retries is the first thing I'd investigate. You may not need another service at all.

If you're running a subscription-heavy business and want a dedicated recovery system, I'd compare Recurly, Paddle, and Chargebee.

The ideal setup looks roughly like:

Payment fails → classify failure → smart retry → if still failing, email/text customer → payment-update page → retry again → recover subscription or gracefully cancel

Importantly, smart retry systems generally don't blindly retry hard declines; those usually require the customer to provide a new payment method. Stripe Docs Recurly

If you tell me what platform your shop runs on (Shopify, WooCommerce, custom, etc.), what payment processor you use (Stripe, PayPal, Shopify Payments, etc.), and whether you sell subscriptions, I can recommend the best setup and estimate what it would cost.

Yes. What you’re looking for is generally called payment recovery, smart retries, or dunning.

A few solid options:

• stripe.com — probably the easiest if your shop already uses Stripe. It has Smart Retries, which uses machine learning to choose retry timing, plus automatic card updates, failed-payment emails, and recovery/retention automations. Stripe says Smart Retries recover an average of 57% of recurring payments that initially failed. Stripe Stripe Support
• chargebee.com — more subscription-focused. Its Smart Dunning can dynamically determine retry timing, while Revive uses 200+ signals to decide whether/when to retry or request a payment-method update. Chargebee Chargebee
• paddle.com — particularly interesting if you sell software/digital subscriptions. Its payment recovery automatically retries failed subscriptions and can combine smart retries with email, in-app, and SMS recovery. Paddle Developer Docs Paddle Developer Docs

If you mean a typical online shop

If you're selling physical products rather than SaaS subscriptions, I'd first look at what payment processor your shop already uses. You may not need another service—the processor may already handle retries and card-updater functionality.

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, Wix, custom site, etc.) and whether you're selling subscriptions or one-time purchases, I can recommend the best setup and tell you exactly what I'd automate.

Yes. What you’re looking for is usually called a dunning / revenue recovery platform. These tools automatically handle failed subscription payments with things like:

• Smart retry timing (retry when a payment is most likely to succeed)
• Decline-code-aware logic (treating “insufficient funds” differently from “card blocked”)
• Automated emails/SMS prompting customers to update cards
• Payment update links
• Subscription grace periods and cancellation prevention
• Recovery analytics

A few options depending on your shop setup:

A common setup looks like:

1. Payment fails
2. Tool checks the reason: - Temporary decline → schedule optimized retry
3. Expired card → ask customer to update
4. Hard decline → stop retrying and request a new payment method
5. Customer receives automated recovery messages
6. Subscription stays active during a grace period
7. If recovered, billing resumes automatically

If you tell me:

• what platform you use (Shopify, WooCommerce, Stripe, Paddle, Chargebee, custom)
• whether you sell subscriptions or one-time products
• approximate monthly payment volume

…I can narrow this down to the best fit.

Yes. If your shop has subscriptions/recurring payments, there are several tools that automate exactly this:

• stripe.com — Smart Retries automatically chooses retry timing using machine learning, and Stripe also provides automated customer reminders and card-account updating. Stripe Stripe
• paddle.com — specifically focused on subscription recovery: smart/tactical retries, automated dunning emails, in-app/SMS recovery, and payment-update flows. Paddle Paddle Developer Docs
• chargebee.com — offers Smart Dunning plus Revive, which uses 200+ signals to decide whether and when to retry, request a payment update, etc. Chargebee Chargebee

What I'd pick

If you're already using Stripe, I'd start with Stripe Billing + Smart Retries rather than adding another platform.

If you're building a subscription-heavy shop and want recovery/dunning to be a major part of the system, Paddle Retain or Chargebee are worth comparing.

The ideal setup is:

Payment fails → classify failure → smart retry → email/SMS reminder → customer updates card → retry → recover subscription → only cancel after the recovery window.

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, custom site, etc.), I can recommend the best tool and show you exactly how I'd set up the retry/recovery flow.

Yes. The category you’re looking for is usually called dunning management, subscription payment recovery, or failed payment recovery. These tools automatically handle failed charges, choose retry timing, notify customers, and help prevent involuntary churn. Stripe Docs

Some options depending on your shop setup:

• stripe.com (best if you already use Stripe)

• Built-in Smart Retries use machine-learning signals to decide when to retry failed subscription payments.
• Includes automated customer emails, card update flows, and recovery analytics. Stripe Docs Stripe Docs
• Slicker

• Dedicated recovery layer for subscription businesses.
• Focuses on AI retry timing, smart dunning emails, and analytics across payment providers. Slicker
• Paddle Payment Recovery / Retain

• Good if you use Paddle for SaaS or digital products.
• Handles retries, customer notifications, and payment update flows. Paddle Paddle Developer Docs
• Rebounce

• Adds recovery journeys around Stripe, including email/SMS/WhatsApp-style customer outreach and payment-update flows. Rebounce
• Dunphora

• Stripe-focused recovery automation with failure-reason-based retry timing and branded recovery emails. Dunphora

If your shop is Shopify, the answer depends on your subscription app (Recharge, Appstle, Loop, Skio, Shopify Subscriptions, etc.). Some subscription platforms already include dunning/retry features, while others are better paired with a recovery tool. Joy Subscriptions Easy Subscriptions App

A typical setup looks like:

1. Payment fails → detect decline reason
2. Decide action: - temporary failure → retry later
3. expired card → ask customer to update card
4. hard decline → stop retrying and request a new payment method
5. Send automated reminders
6. Keep subscription active during recovery window
7. Cancel/pause only after recovery attempts are exhausted

If you tell me:

• what platform your shop runs on (Shopify, WooCommerce, Stripe Checkout, custom, etc.)
• what you sell (physical products vs subscriptions/SaaS)
• your payment processor

…I can narrow it down to the best-fit tools.

Yes. There are tools specifically built for failed payment retries, smart retry timing, dunning, and subscription recovery. The right choice depends on what your shop runs on (Shopify, WooCommerce, Stripe, custom app, etc.).

Here are the common options:

Typical automation flow looks like:

1. Payment fails
2. Tool classifies the failure: - Soft decline (temporary issue) → retry later
3. Hard decline (expired card, invalid details) → ask customer to update payment method
4. Smart retry engine chooses timing - e.g., retry when the card issuer is more likely to approve
5. Customer receives recovery messages - email/SMS/in-app prompts
6. Subscription stays active if payment succeeds
7. Fallback action - pause subscription, downgrade, or cancel after the recovery window

For a small shop, I’d usually start with:

• Stripe Billing Smart Retries if Stripe is already your payment processor. Stripe Docs
• Chargebee or Recurly if subscriptions are a major part of your business and you need more advanced dunning/revenue recovery. Chargebee Recurly Documentation

If you tell me:

1. what platform you use (Shopify, WooCommerce, Stripe, custom, etc.),
2. whether you sell subscriptions or one-time purchases, and
3. your approximate monthly payment volume,

I can narrow it down to the best fit.

Yes. There are several tools built specifically for failed-payment retries, smart retry logic, dunning, and subscription recovery.

Good options

• Stripe Billing — If you're already on Stripe, this is probably the simplest option. Its Smart Retries automatically chooses retry timing using dynamic signals, and you can pair it with automated dunning/recovery emails. Stripe Docs

docs.stripe.com

• Chargebee Revive — More specialized around revenue recovery. Its ML engine evaluates 200+ signals and decides whether to retry now, retry later, or request a payment-method update. It also has rules-based Smart Dunning. Chargebee
• Recurly — Offers Intelligent Retries plus dunning campaigns. It can dynamically determine retry timing and automatically stop recovery once payment succeeds. Recurly Recurly
• Paddle Retain — Particularly interesting if you sell SaaS/digital subscriptions. It combines smart retries, recovery emails, in-app notifications, and payment-update flows. Its recovery system can automatically retry over a 30-day window. Paddle Developer Docs Paddle

What I'd choose

If by "my shop" you mean an e-commerce store with subscriptions, the answer depends heavily on your current stack:

If you tell me what platform your shop runs on (Shopify, WooCommerce, Stripe, custom, etc.) and whether you're selling subscriptions, I can narrow it down to the best 2–3 options and what they'd cost/require to set up.

Yes. If your shop has subscriptions/recurring billing, there are tools specifically built for this. The right choice depends mostly on your payment processor.

If you use Stripe

Stripe already has Smart Retries built into Stripe Billing. It automatically retries failed subscription payments, lets you choose the retry window, and can automatically cancel, pause, or leave a subscription past due if recovery fails. Stripe currently recommends 8 retries over 2 weeks as a default configuration. Stripe Docs Stripe Docs

If you want something more sophisticated than Stripe's built-in system, Churnkey is worth looking at. It adds:

• ML-based/optimized retry timing
• Automated dunning emails and SMS
• Payment-update pages/walls inside your shop
• Segmented recovery campaigns
• Recovery analytics
• Automatic subscription recovery after a failed renewal Churnkey Documentation Churnkey

churnkey.co

If you use Paddle

Paddle has ProfitWell Retain built into its ecosystem. It combines smart/tactical retries, dunning emails, in-app payment-update prompts, and subscription recovery. As of April 2026, Retain supports up to seven renewal retries with timing determined algorithmically. ProfitWell ProfitWell

paddle.com

What I'd choose

If you're already on Stripe, I'd start with:

Stripe Smart Retries → add Churnkey if you need aggressive/advanced recovery.

If you're on Paddle, I'd use Paddle Retain rather than building your own retry system.

If you tell me what platform/payment processor your shop uses (Shopify, WooCommerce, Stripe, Paddle, PayPal, etc.) and whether you sell subscriptions or one-time products, I can narrow it down to the best 2–3 options for your setup.

Yes. What you’re looking for is generally called payment recovery / dunning: software that automatically retries failed recurring payments, chooses smarter retry timing, emails customers to update their payment method, and prevents involuntary subscription churn.

A few good options:

• chargebee.com — probably the closest all-in-one fit. Its current Revive product uses ML to decide when to retry, while its Smart Dunning can handle failure-aware retries and customer reminders. It can also manage subscription status after recovery attempts are exhausted. Chargebee Chargebee
• churnkey.co — particularly interesting if you're already using Stripe. It combines automated retries with email/SMS recovery campaigns, payment-method update flows, and a “payment wall” that can prompt customers to fix their payment before losing access. Churnkey Documentation Churnkey Documentation
• Stripe Billing itself has built-in Smart Retries and subscription payment recovery, so you may not need another vendor if your shop already runs subscriptions through Stripe. Churnkey can sit on top of Stripe when you want more sophisticated customer-recovery workflows.

What I'd choose

If you tell me what your shop is built on (e.g. Shopify, WooCommerce, Stripe, Recharge, etc.), your approximate monthly subscription revenue, and whether you're selling physical products or SaaS/digital subscriptions, I can narrow this down to the best 2–3 options and compare pricing, integration effort, retry intelligence, email/SMS recovery, and expected ROI.

Yes. If your shop has subscriptions or recurring billing, there are tools that automate exactly this: failed-payment retries, smart retry timing, dunning/recovery messages, and getting customers back onto an active subscription.

Best options

• Stripe Billing — probably the first one I'd look at if you already use Stripe. It has Smart Retries, automated failed-payment emails, automatic card updates, hosted payment-update pages, and recovery automations. Stripe says Smart Retries use machine learning to determine retry timing. docs.stripe.com
• Paddle Retain — particularly strong if you're running a SaaS/digital subscription business. It combines algorithmic retries, email/in-app/SMS recovery, and frictionless payment-method updates. www.paddle.com
• Stripe Marketplace recovery apps — if you're already on Stripe but want more aggressive/custom recovery workflows, there are apps such as RECLAIM and ASRRCRM that add automated retries, personalized emails, and recovery portals. marketplace.stripe.com

If you're already using Stripe, I wouldn't immediately buy another tool. Stripe's native Billing recovery features may cover most of what you're after, including custom retry policies and subscription-state automation. stripe.com

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, Paddle, Recharge, etc.) and whether you're selling subscriptions or one-time products, I can point you to the best tool and explain how I'd set up the recovery flow.

Yes. What you’re looking for is usually called dunning automation, payment recovery, or failed payment recovery. These tools watch failed subscription charges, decide when/how to retry, and contact customers to update payment methods.

Some options:

A typical recovery flow looks like:

1. Payment fails
2. Tool classifies the failure (expired card, insufficient funds, temporary issuer decline, etc.)
3. Schedules retries at better times instead of blindly retrying immediately
4. Sends customer reminders with a card-update link
5. Escalates or pauses/cancels only after recovery attempts fail

If you’re on Shopify, Stripe, WooCommerce, Recharge, Chargebee, or another stack, the best choice changes. What platform runs your shop and are you selling subscriptions or just one-time purchases?

Yes. If your shop runs on Stripe, you already have a strong built-in option: Stripe Billing Revenue Recovery.

• Smart Retries: Stripe automatically chooses when to retry failed subscription payments using dynamic signals rather than a fixed schedule. Stripe Docs
• Dunning/recovery emails: Automatically notify customers about failed payments, expired cards, or the need to update payment details. Stripe Docs
• Automatic card updates: Stripe can automatically update saved card details when the card issuer provides the new information. Stripe Support
• Custom recovery workflows: You can segment customers and use different retry/recovery rules without building everything yourself. Stripe Docs

docs.stripe.com

If you want something more aggressive

There are dedicated subscription-recovery tools that sit on top of Stripe:

• Chargebee Revive — ML-powered retry decisions, dunning, customer/payment context, and recovery analytics. Chargebee
• Churnkey — payment recovery campaigns plus "Precision Retries" designed around when customers are more likely to have funds available. Churnkey Documentation
• RECLAIM — a Stripe app combining smart retries, recovery emails, and a customer self-service portal. Stripe App Marketplace

My recommendation: if you're already using Stripe, start with Stripe Smart Retries + automated emails + automatic card updates before paying for another service. Stripe's recommended default is 8 attempts over 2 weeks, and you can customize the policy. Stripe Docs

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, etc.) and roughly how many subscriptions/customers you have, I can recommend the best setup and what I'd automate first.

Yes. What you’re describing is usually called dunning / revenue recovery: automatically retrying failed subscription payments, choosing better retry timing, notifying customers, and preventing involuntary churn.

Good options

If your shop already runs on Stripe, I'd start with Stripe Billing itself rather than adding another service. Its Smart Retries uses machine-learning signals to determine when to retry, and Stripe recommends a default policy of 8 attempts over 2 weeks. It also supports failed-payment emails, automatic card updates, and hosted payment-update pages. docs.stripe.com

For example, your automated recovery could look like:

Payment fails → identify decline → wait for optimal retry time → retry → email customer if needed → ask them to update card → retry again → recover subscription → cancel/pause only after recovery attempts are exhausted.

Stripe also lets you create different recovery policies for different customer segments, which can be useful if, for example, you want to treat a $20/month customer differently from a $500/month customer. docs.stripe.com

If you tell me what your shop is built on (Shopify, WooCommerce, Stripe, Recharge, etc.) and whether you're selling subscriptions, one-time products, or both, I can recommend the best setup for you.

Yes. The category you’re looking for is usually called dunning automation, subscription revenue recovery, or failed payment recovery. These tools automatically retry failed charges, choose better retry timing, email customers to update payment methods, and track recovered revenue. docs.stripe.comdocs.stripe.com

Some good options depending on your setup:

A typical recovery flow looks like:

1. Payment fails
2. Tool identifies the failure reason (expired card, insufficient funds, bank decline, authentication issue)
3. It schedules smarter retries instead of hammering the card immediately
4. Customer receives automated reminders with a payment update link
5. Subscription is paused/canceled only after recovery attempts are exhausted docs.stripe.com

The best choice depends on your shop stack:

• Shopify subscriptions: usually start with your subscription app’s built-in dunning or add a recovery app.
• Stripe subscriptions: Stripe Billing Smart Retries may already cover much of this; add a dedicated tool if you want better messaging, segmentation, or analytics. docs.stripe.com
• WooCommerce: look for subscription plugins with dunning support or connect a payment recovery service.
• Custom app: use Stripe webhooks + a dunning layer.

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, Paddle, Chargebee, custom, etc.) and roughly how many subscriptions you have, I can narrow it down.

Yes. What you’re looking for is usually called payment recovery / dunning: automated retries, intelligent retry timing, payment-update emails, and subscription recovery after a failed renewal.

A few strong options:

• Stripe Billing — Smart Retries automatically determines when to retry failed subscription payments, and Stripe can also send failed-payment emails and use automatic card updates. You can set recovery behavior for subscriptions that remain unpaid. docs.stripe.com
• Chargebee — particularly strong if subscription billing is central to your shop. Its Revive system uses ML and billing context to decide whether/when to retry, alongside automated dunning. www.chargebee.comdocs.recurly.com
• Recurly — offers Intelligent Retries plus dunning campaigns. The retry engine dynamically determines timing based on failure and customer/payment context. docs.recurly.com
• Paddle — its Retain product combines smart retries, automated recovery emails, and in-app payment-update prompts. www.paddle.com

What I'd choose

If you're already using Stripe, I'd start with Stripe Billing Smart Retries rather than adding another service. It covers the core workflow without a separate recovery platform. Stripe recommends a default of 8 attempts over 2 weeks, while allowing customized policies. docs.stripe.com

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, custom site, etc.) and whether you sell subscriptions or one-time products, I can recommend the best setup and show you exactly how I'd automate the failed-payment → retry → customer reminder → subscription recovery flow.

Yes. If your shop has subscriptions, there are tools specifically built for this—usually called dunning or payment recovery.

Two strong options:

• Stripe Billing Smart Retries — If you already use Stripe, this is the easiest path. Stripe can automatically retry failed subscription payments using Smart Retries, and you can configure different retry policies and customer automations. docs.stripe.com

Stripe Smart Retries documentation

• Paddle Retain — More focused on end-to-end subscription recovery. It uses algorithmic retry timing, automated recovery emails, in-app prompts, and SMS, and can automatically pause/cancel subscriptions that remain unpaid. It can also sit on top of billing systems including Stripe Billing, Recurly, Chargebee, and others. developer.paddle.com

Paddle Retain

What I'd use

If you're already on Stripe, I'd start with Stripe Smart Retries + Stripe's Revenue Recovery/dunning features rather than adding another platform.

If you're looking for something more aggressive/automated—smart retry timing + emails + card-update flows + subscription recovery + cancellation prevention—I'd look at Paddle Retain. Its current recovery flow can make up to seven retries over roughly 20 days, within a configurable 30-day dunning window. www.paddle.com

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, Paddle, Chargebee, Recurly, etc.), I can tell you the best tool and how I'd set up the retry/recovery flow.

Yes. If your shop has subscriptions/recurring payments, there are several tools built specifically for this.

Best options

• Stripe Billing Revenue Recovery — Best if you already use Stripe. It includes Smart Retries, automatic failed-payment emails, automatic card updates, and no-code recovery automations. Stripe says Smart Retries uses machine-learning signals to choose when to retry rather than simply retrying on a fixed schedule. docs.stripe.comdocs.stripe.com
• Paddle Retain — More of an end-to-end subscription recovery system. It combines algorithmic retries, dunning emails, in-app notifications, and payment-update flows. Its current system can retry for up to 30 days. www.paddle.com
• Churnkey — Particularly interesting if you're on Stripe and want more aggressive/custom recovery. It can combine retries with email/SMS campaigns and a payment wall that prompts customers to fix their payment method. docs.churnkey.co

What I'd choose

If you're already using Stripe, I'd start with Stripe Smart Retries before paying for another service. You can configure the retry policy directly in Stripe; its recommended default is currently 8 attempts over 2 weeks, and you can create different retry policies for different customer segments. docs.stripe.comdocs.stripe.com

If you want something more sophisticated—e.g. "retry at the statistically best time, email the customer, send SMS, show an in-app payment wall, and recover the subscription automatically"—then Churnkey or Paddle Retain are worth looking at.

If you tell me what platform your shop uses (Shopify, WooCommerce, Stripe, Paddle, etc.) and whether these are subscriptions or one-time purchases, I can narrow it down to the best 2–3 options for your setup and pricing.

Yes. If your shop has subscriptions/recurring payments, there are tools specifically built for this.

Good options

• Stripe Billing — If you already use Stripe, start here. Stripe has Smart Retries, which uses machine learning to choose retry timing, plus automated reminders for overdue payments. stripe.com
• Paddle Retain — More comprehensive recovery: intelligent retries, dunning emails, in-app/SMS recovery, payment-method updates, and automatic pause/cancellation after recovery attempts. It can also sit on top of an existing billing system. www.paddle.com
• Churnkey — Particularly interesting if you're on Stripe and want customizable failed-payment campaigns and recovery flows. It offers precision retries in addition to automated recovery emails. docs.churnkey.co

What I'd pick

If you're already on Stripe, I'd first enable Stripe Smart Retries rather than adding another system. If you want a more aggressive, full-service recovery system—with customized dunning, payment-update experiences, and retention flows—look at Paddle Retain or Churnkey.

If by “shop” you mean an e-commerce store selling physical products rather than a SaaS/subscription business, tell me what platform you use (Shopify, WooCommerce, Stripe, etc.) and whether the failed payments are subscriptions or one-time orders. I can narrow it down to the best fit.

Yes. What you’re describing is usually called payment recovery / dunning: automated retries, intelligent retry timing, and customer workflows that recover subscriptions after failed renewals.

A few strong options:

• Stripe Billing — probably the simplest if your shop already uses Stripe. Smart Retries automatically chooses retry timing based on transaction signals, and Stripe can also send failed-payment emails, update expired cards automatically, and let you define what happens when recovery ultimately fails. docs.stripe.comwww.paddle.comwww.chargebee.com
• Paddle — particularly strong for subscription businesses. Its Retain/Payment Recovery system combines algorithmic retries with dunning emails, in-app notifications, and a frictionless payment-update flow. www.paddle.com
• Recurly — offers ML-based Intelligent Retries that adapt timing to the failure and customer/payment context, alongside dunning. docs.recurly.com
• Chargebee — has Smart Dunning, customizable retry schedules, and automated subscription/invoice actions after retries are exhausted. www.chargebee.com

If this is a Shopify shop

The best choice depends heavily on how you're billing subscriptions:

Shopify subscriptions + Stripe/Shopify Payments: I'd first look at what your current payment stack already supports rather than bolting on another system.

SaaS/membership/subscription-heavy shop: Paddle, Recurly, or Chargebee can give you a more complete recovery/dunning system.

A typical automated recovery flow would be:

Payment fails → intelligent retry → retry again at an optimized time → email customer → payment-update link → retry with new payment method → recover subscription → otherwise pause/cancel after a defined period.

If you tell me what platform your shop runs on (Shopify, WooCommerce, custom, etc.) and what you use for payments (Stripe, Shopify Payments, PayPal, etc.), I can tell you the best tool for your exact setup and what it would cost.

Yes. If your shop has recurring subscriptions, there are several tools built specifically for this. The main category is payment recovery / dunning.

Good options

• Stripe Billing — probably the easiest choice if you're already using Stripe. It has Smart Retries, automatic dunning emails, and card account updater. Stripe says its automated recovery tools recover 55% of failed payments on average. stripe.comdocs.recurly.com
• Recurly — particularly strong for subscription businesses. Its Intelligent Retries uses ML to choose retry timing based on the failure and customer/payment context, while its dunning system handles customer communication. docs.recurly.com
• Chargebee — offers smart retry logic, configurable dunning, failure-reason-aware recovery, and subscription-management features. www.chargebee.com

What I'd pick

If you're a Shopify/e-commerce shop with subscriptions, I'd first look at Stripe Billing or Recurly depending on your current payment stack.

A typical automated recovery flow would be:

Payment fails → identify soft vs. hard decline → smart retry at an optimized time → automatically email customer → prompt them to update card → retry again → recover subscription → cancel/pause only after the recovery window expires.

Recurly explicitly separates the retry engine from its dunning communications, while Stripe combines Smart Retries, account updater, and dunning into its revenue-recovery tooling. stripe.comdocs.recurly.com

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, etc.) and what you use for subscriptions, I can recommend the best option and explain exactly how I'd set up the recovery flow.

Yes. If your shop runs subscriptions, there are several tools specifically built for failed-payment recovery, smart retries, dunning, and subscription reactivation.

Best options

• Stripe Billing + Smart Retries — If you're already using Stripe, start here. Stripe's Smart Retries uses machine learning to determine when to retry failed payments, rather than blindly retrying on a fixed schedule. stripe.com
• Churn Buster — Probably the most complete dedicated recovery option. It layers adaptive retries, email/SMS dunning, card-update flows, and subscription reactivation on top of billing systems. It supports Stripe, Shopify, Recharge, Skio, Loop, and others. churnbuster.io
• CertNode Recover — A lower-cost Stripe-focused option that combines smart retries with branded recovery emails. Its Stripe listing currently describes $0/month pricing with a percentage of recovered payments. marketplace.stripe.com
• Churnkey / other Stripe recovery apps — There are a number of alternatives in the Stripe App Marketplace if you also want cancellation flows and retention offers rather than just failed-payment recovery. marketplace.stripe.com

What I'd choose

If you tell me what your shop uses for payments/subscriptions (e.g. Shopify + Recharge, Shopify + Skio, Stripe, WooCommerce, etc.), I can narrow it down to the best 2–3 tools for your setup, including pricing and how much of the recovery process they automate.

Yes. What you’re looking for is usually called dunning automation, revenue recovery, or subscription payment recovery. These tools detect failed recurring payments, decide when/how to retry, and run customer recovery flows (emails, SMS, payment update prompts, etc.). docs.recurly.comdeveloper.paddle.com

Common options:

• Built into your payment provider
  • Stripe Billing has Smart Retries, which automatically retries failed subscription invoices using dynamic timing signals, and lets you configure recovery behavior. docs.stripe.com
  • Paddle offers Payment Recovery with optimized retries, dunning messages, and payment update flows. docs.recurly.comdeveloper.paddle.com
  • Recurly has revenue recovery features combining retries and dunning campaigns. docs.recurly.com

• Dedicated recovery tools (often layered on top of Stripe or other billing systems)
  • Dunphora focuses on automatic failed-payment recovery with failure-reason-based retry timing and branded recovery emails. dunphora.com
  • RecurFix provides automated retries, dunning emails, and recovery analytics across supported payment providers. recurfix.comdunphora.com

For a shop, the best fit depends on your stack:

• Shopify subscriptions: look for apps that integrate with your subscription provider and automate failed rebills.
• Stripe + custom store/SaaS: Stripe Billing Smart Retries may be enough; add a dedicated recovery layer if you want more aggressive segmentation and messaging. docs.stripe.com
• High subscription volume: a dedicated revenue recovery platform can be worthwhile because it can segment failures (expired card vs insufficient funds vs bank decline) instead of treating every failure the same. recurfix.comdunphora.com

If you tell me what your shop runs on (Shopify, WooCommerce, Stripe, Paddle, Chargebee, etc.) and whether you sell subscriptions or one-time purchases, I can narrow it down.

Yes. If your shop has subscriptions, there are several tools that specifically automate failed-payment recovery, smart retries, dunning, and subscription retention.

Best options

• Stripe Billing — probably the easiest if you already use Stripe. Its Smart Retries use machine learning to choose retry timing, and it can also send failed-payment emails, automatically update eligible cards, and apply custom recovery workflows. Stripe recommends a default of 8 retries over 2 weeks, though you can customize it. docs.stripe.comrecurly.comdocs.stripe.com
• Recurly — more subscription-focused. It combines Intelligent Retries + dunning campaigns, with retry timing adapted to the particular failed payment. docs.recurly.com
• Recurly Recover — interesting if you don't want to replace your existing billing system. It's designed as a recovery layer that plugs into an existing billing stack and optimizes retries using data across merchants. recurly.com
• Churn Buster — focused specifically on recovering failed subscription payments, combining retries with customer messaging/dunning. churnbuster.io

What I'd pick

If you're already on Shopify + Stripe, I'd first look at Stripe Billing's built-in recovery rather than adding another service. If you're on Shopify with a subscription system other than Stripe, Recurly or a dedicated recovery layer may make more sense.

A good automated flow is:

Payment fails → classify decline → smart retry → card updater → customer email/payment-update link → additional retries → pause/cancel only after the recovery window expires.

Importantly, smart retries shouldn't blindly retry every decline: hard declines and missing payment methods generally require the customer to provide a new payment method. docs.stripe.comrecurly.comdocs.stripe.com

If you tell me what platform your shop uses (Shopify, WooCommerce, custom, etc.), your payment processor (Stripe, PayPal, Shopify Payments, etc.), and whether you sell monthly/annual subscriptions, I can recommend the best setup and approximate cost.

Yes. What you’re looking for is usually called dunning / payment recovery: software automatically retries failed recurring payments, determines better retry timing, emails customers to update payment methods, and eventually pauses/cancels subscriptions if recovery fails.

A few good options:

• Stripe Billing — If your shop already uses Stripe, this is probably the easiest starting point. Stripe Billing includes Smart Retries, which uses machine learning to choose retry timing, plus automatic customer reminders. stripe.com
• Chargebee — More specialized subscription/revenue-management software. Its Smart Dunning can dynamically determine retry timing, distinguish hard vs. soft declines, send recovery emails, and define what happens to a subscription after retries are exhausted. www.chargebee.com
• Chargebee Revive — More focused on sophisticated payment recovery, including ML-based retries, funding-cycle timing, gateway routing, and recovery workflows. www.chargebee.com

What I'd choose

If your shop is already on Stripe, I'd start with Stripe Billing + Smart Retries rather than adding another platform.

If you have lots of subscriptions, multiple payment gateways, or significant recurring revenue, Chargebee is worth looking at because it gives you much more control over the entire recovery/dunning process. www.chargebee.com

If you tell me what platform your shop runs on (Shopify, WooCommerce, custom site, Stripe, etc.) and roughly how many subscribers you have, I can recommend the best setup and estimate what it would cost.