Recover for Stripe

Everything you need to know about automated failed payment recovery

Getting Started

Install from Stripe App Marketplace

Find CertNode Recover in the Stripe App Marketplace and click Install. The app adds recovery monitoring to your Stripe Dashboard.

Enable Recovery in Settings

Go to Settings > Apps > CertNode Recover. Toggle recovery on, set your brand name and color for dunning emails. That's the only required configuration.

Recovery Starts Automatically

When a subscription payment fails, Recover detects it instantly and begins smart retries and dunning emails. View recovery status on any invoice in your Dashboard.

How It Works

DETECT

Payment Fails

Stripe webhook fires, Recover creates a recovery attempt within seconds.

RETRY

Smart Retries

Retry timing is based on the failure reason. Insufficient funds retries on paydays.

NOTIFY

Dunning Emails

6 branded emails escalate over 28 days from friendly to urgent.

RECOVER

Payment Recovered

Customer updates card or retry succeeds. You keep 75%, we take 25%.

What you see in your Dashboard

HomeRecovery stats, recovery rate, active recoveries, ROI, email open/click rates, recent attempts
InvoicePer-invoice recovery status: failure reason, retry strategy, retry progress, emails sent, decline history, difficulty score
SettingsEnable/disable, max retries, brand name and color, SMS config, psychology toggle, overdue invoice toggle

Smart Retry Strategies

Not all payment failures are the same. Recover uses different retry timing based on the decline reason:

Failure Reason	Strategy	Retry Schedule
Insufficient funds	Payday-aware	1st, 15th of month, next Friday
Expired card	Card update only	No retries — card update email sent immediately
Card declined	Exponential backoff	Day 3, 7, 14, 21
Other failures	Standard schedule	Day 1, 3, 7, 14, 21, 28

Dunning Email Sequence

Recover sends up to 6 emails over 28 days. Each email is branded with your business name and color. Customers click to update their card on a hosted page — no login required.

Day	Email	Tone
Day 0	Payment failed notification	Friendly heads-up
Day 3	Reminder with card update link	Gentle reminder
Day 7	Service access warning	Clearer urgency
Day 14	Account suspension warning	Serious
Day 21	Last chance appeal	Emotional
Day 28	Final notice	Final

Premium Features

SMS Dunning

Send recovery text messages starting on day 7. Bring your own Twilio account — enter your Account SID, Auth Token, and phone number in Settings. 160-character messages with card update links.

Enable in Settings > SMS Recovery

Payment Plans

For past-due amounts over $50, Recover can offer customers a payment plan — splitting the amount into 2-4 monthly installments via Stripe Subscription Schedules. Customers accept on a hosted page.

Automatically offered after day 14 when eligible

Overdue Invoice Chasing

Daily scan catches past-due invoices that slipped through without triggering a webhook. Belt-and-suspenders approach to ensure no failed payment goes unrecovered.

Enable in Settings > Chase Overdue Invoices

Proof Receipts

Every successful recovery gets an RFC 3161 certified timestamp — cryptographic proof of when and how the payment was recovered. Visible on the invoice detail view in your Dashboard.

Difficulty Scoring

Each recovery gets a 1-100 difficulty score based on retries needed, decline code changes, time to recover, and recovery method. Higher scores mean harder recoveries — so you can see the value Recover is providing.

Pricing

$0/month

No subscription or setup cost
25% success fee on recovered payments only
$5 minimum fee on small recoveries
Failed recoveries cost nothing
Fee refunded if recovered payment is later disputed

Reflex Bundle Discount

If you also use CertNode Reflex (chargeback defense), the success fee drops from 25% to 20%. This discount is applied automatically.

Learn about Reflex →

Settings Reference

Setting	Default	Description
Recovery Enabled	Off	Master toggle. Must be enabled for recovery to start.
Max Retries	6	Maximum retry attempts per failed payment (1-10).
Brand Name	-	Your business name shown in dunning emails and card update pages.
Brand Color	#00D4AA	Hex color for email buttons and card update page accents.
SMS Recovery	Off	Send recovery texts via your Twilio account. Requires SID, Auth Token, and phone number.
Psychology-Enhanced	On	Uses behavioral psychology principles (loss aversion, sunk cost) in email copy.
Chase Overdue	Off	Daily scan for past-due invoices that didn't trigger a webhook.

Data & Privacy

What data does Recover access?
Recover reads invoice data from your Stripe account (with your permission via invoice_read). We never access your Stripe Secret Key or have the ability to create or modify payments directly.

Where is data stored?
Recovery attempt data is stored securely on CertNode's infrastructure (Supabase/Postgres with TLS encryption in transit and AES-256 at rest).

Can I delete my data?
Yes. Uninstall the app and contact support@certnode.io to request data deletion. Active recovery attempts will complete first.

Ready to recover lost revenue?

Install from the Stripe App Marketplace. $0/month, pay only when you recover.

Get Started Contact Support