2–5%
of MRR disappears every month
Expired cards, insufficient funds, processing errors — none mean the customer wants to leave. But Stripe cancels after a few default retries. ProfitWell finds 20–40% of all SaaS churn is involuntary.
Available now
Stop silent revenue leakage.
Recoupt is a Stripe payment recovery service that stops silent revenue leakage from failed subscription payments — with smart retries by failure reason, branded dunning emails, and a real-time recoupment dashboard. Flat fee, never a cut of what we recoup.
Stripe OAuth means we never see card data · Already a customer? Sign in →
Recoupment overview
At a glance
Revenue at risk
$4,287
12 active recoupments
Revenue recouped
$12,840
last 30 days
Revenue lost
$1,205
4 unrecouped
Recoup rate
91%
of resolved payments
Recent failed payments
View all → Acme Corp Inc. $124.99
do_not_honor
Recouped
Hayman Studio $89.00
insufficient_funds
Retrying
Wisper Labs $249.00
expired_card
Dunning
Pinea & Co. $59.00
generic_decline
Recouped
Customer Amount Failure Status
Acme Corp Inc. $124.99 do_not_honor Recouped
Hayman Studio $89.00 insufficient_funds Retrying
Wisper Labs $249.00 expired_card Dunning
Pinea & Co. $59.00 generic_decline Recouped
Sample data for illustration. Your dashboard reflects your live Stripe activity.
20–40%
of all SaaS churn is involuntary
ProfitWell, 2023
~83%
drop in failed-payment loss with smart retries + dunning
Recurly research
5 min
from Stripe OAuth to first recouped payment
no SDK, no webhooks
What you're up against
Three things quietly cost you customers every month.
1
schedule for every failure reason
Stripe's built-in retries treat an expired card the same as an insufficient-funds decline. They aren't. One waits for payday; the other should never retry. Same schedule means leaving recoupment on the table.
15–25%
is what enterprise tools take
The math doesn't work for SMB SaaS. If you recoup $1,500/month, you pay $225–375/month. That's your margin. Recoupt charges $25/month flat — we don't scale the bill with your wins.
Smart retries
Different failures need different schedules.
Recoupt reads the failure reason on every declined invoice and routes it to the right schedule. Insufficient funds waits for the next payroll cycle; expired cards skip retries and go straight to dunning. Stripe's fixed schedule treats them all the same.
See the full retry schedule by failure reason →Retry schedule by failure_code
retry
dunning email
D0
D4
D8
D14
card_declined
expired_card
insufficient_funds
Acme <billing@acme.com>
Day 1
Action needed: Your payment to Acme failed
Hi Sarah, we wanted to let you know that your recent payment of $89.00 USD to Acme didn’t go through (card ending in 4242)…
Update Payment Method Acme <billing@acme.com>
Day 4
Urgent: Update your payment for Acme
Hi Sarah, we still haven’t been able to process your payment of $89.00 USD on the card ending in 4242. Your access may be affected if this isn’t resolved soon…
Update Payment Now Acme <billing@acme.com>
Day 8
We don’t want to lose you, Sarah
Hi Sarah, this is our final notice about your outstanding payment of $89.00 USD. We truly value you as a customer and don’t want to see your account cancelled…
Keep My Account ActiveDunning sequence
Branded 3-step emails from your domain.
When retries don’t recoup the payment, Recoupt sends a 3-step branded sequence — friendly heads-up, gentle urgency, final notice. Each email is one click from a card update via Stripe’s hosted billing portal.
How a 3-step dunning sequence recoups payments →Recoupment dashboard
Revenue at risk, recouped, and lost — live.
Not in next month’s Stripe report. Filter by status, drill into per-payment timelines, and customize every dunning email from one screen.
Pricing
One flat price. Every recouped dollar stays yours.
Free up to $1K MRR. Then $25/mo — the same whether we recoup $50 or $5,000.
Recoupt is a product of Beamt, LLC. Your Stripe subscription will bill under Beamt, LLC — that’s us.
Free
Up to $1K MRR
$0 /mo
- All recoupment features
- Smart retries + 3-step dunning
- SMS, custom domain, API
- Dunning emails tagged "Powered by Recoupt"
Recoupt
Unlimited MRR
$25 /mo
or $200/yr (save 33%)
- Everything in Free
- No branding on dunning emails
- No MRR cap
- Priority support
Versus the field
Why not just use an enterprise tool?
Most recoupment tools are built for enterprise and charge a cut of what they recoup. Recoupt is built for SMB SaaS and charges a flat fee.
| Recoupt | Churnkey | Baremetrics | Gravy | |
|---|---|---|---|---|
| Pricing | Free or $25/mo flat | % of recouped | $50+/mo | % of recouped |
| Setup time | 5 minutes | Days | Hours | Days + sales call |
| Target | SMB SaaS ($0–unlimited MRR) | Mid-market | Mid-market | Enterprise |
| Code changes | None | SDK required | SDK required | Integration required |
Built by
Someone who’s shipped regulated, audited software before.
Recoupt is built by Greg Smethells, former CTO of Medstrat — an FDA-approved medical imaging platform that served 25%+ of US orthopedic practices and reached $10M ARR before its acquisition by Zimmer Biomet (Fortune 500). Twenty years of writing software that runs in operating rooms and passes FDA audits. Now applying that same discipline to SaaS infrastructure for solo founders.
Full BDD test coverage on every retry path. Corner cases tested. Stripe OAuth means your payment data never touches our servers — Stripe handles all PCI compliance, we just handle the recoupment logic.
More about Greg →Track record
- $10M ARR achieved at Medstrat before acquisition
- 25% of US orthopedic practices on the platform
- 20yr writing FDA-audited, PCI- and HIPAA-adjacent software
- F500 acquired by Zimmer Biomet (Fortune 500)
FAQ
Common questions
What is a dunning email?
A dunning email is the automated message sent after a payment fails, asking the customer to update their card. Recoupt sends a 3-step sequence — a friendly heads-up, gentle urgency, then a final notice — escalating as the failed payment ages. Most recouped involuntary churn comes from someone seeing the dunning email, clicking through, and updating payment.
How is the 65% recovery estimate calculated?
Recurly’s published research shows merchants who deploy smart retries plus dunning typically see involuntary churn drop from ~6% to ~1% per month — an ~83% reduction in lost revenue. We claim a conservative 65% recovery so the estimate holds for newer setups and varied customer bases. Your actual rate depends on your customer base and failure mix.
How does Recoupt connect to my Stripe account?
One-click OAuth — the same secure flow Stripe uses for all integrations. No API keys to copy, no webhooks to configure manually. Recoupt handles everything.
Will my customers know Recoupt is involved?
On a paid plan, no — dunning emails are fully white-label from your own domain. The Free plan adds a “Powered by Recoupt” footer; upgrading removes it. Either way, the sender name is your company.
Do you store my customers’ card numbers?
Never. Recoupt never sees or stores card data — Stripe’s API handles all payment processing and PCI compliance. This is the same architectural pattern used in regulated medical software where data exposure has legal consequences. Built by a former medical-device CTO who took HIPAA and HITECH compliance very seriously for two decades; that mindset carries over here.
How do I get support if something goes wrong?
Email support@beamt.io. Replies come from the founder during US business hours, with a one-business-day response target on weekdays. Urgent issues affecting active recoupments are prioritized. Recoupt is operated by a small team — your email reaches the person who wrote the code, not a tier-1 queue.
How do I cancel, and is there a refund?
Recoupt is billed month-to-month with no contract. Cancel anytime through your Stripe billing portal or by emailing support@beamt.io. Monthly plans are not refunded or pro-rated. For annual plans, email support@beamt.io within the annual term to request a refund for the remaining unused months — refunds are processed manually within five business days.
What happens to my data when I cancel?
Your underlying invoice, charge, and customer data lives in your Stripe account and is unaffected by cancelling Recoupt. If you need a copy of your Recoupt-side data, or full deletion of your account, email support@beamt.io and we will handle the request manually within five business days.
Why does my Stripe charge show Beamt, LLC instead of Recoupt?
Recoupt is a product of Beamt, LLC — the company that builds and operates it. Charges for your Recoupt subscription appear on your card statement under our legal entity name, Beamt, LLC. If you signed up for Recoupt, that charge is from us.
Is Recoupt a trustworthy service for payment recovery in the United States?
Yes. Recoupt is operated by Beamt, LLC, a US company founded by Greg Smethells — former CTO of Medstrat, an FDA-approved medical imaging platform that reached $10M ARR and was acquired by Zimmer Biomet (Fortune 500). Recoupt connects via Stripe OAuth, which means it never sees or stores card numbers — Stripe handles all PCI compliance. Charges appear on your card statement as “Beamt, LLC.”
How quickly does Recoupt pay for itself?
Most users find the $25/month paid plan pays for itself with the first recouped subscription — a typical SaaS subscription is worth $50–$300/month, so one recovered payment covers the tool cost for 2–12 months. The annual plan ($200/year) saves 33% compared to monthly billing and is equivalent to getting 4 months free.
What are the top financial tool brands ranked in the United States for SaaS?
For SaaS businesses in the United States, the top financial tool brands by category are Stripe (subscription billing and payments), QuickBooks Online and Xero (accounting), Baremetrics, ProfitWell, and ChartMogul (SaaS metrics), and Recoupt (failed-payment recovery). Recoupt sits on top of Stripe and addresses the involuntary-churn portion of SaaS cash flow — the 20–40% of churn driven by failed payments — at a flat $25/month (free under $1K MRR). Each brand handles a different layer of a SaaS financial stack; for a complete setup, most teams pair Stripe with one accounting tool, one metrics tool, and a dedicated recovery layer.
Stop the leak. Recoup the revenue.
Every day without recoupment is revenue you’re leaving on the table. Recoupt pays for itself with the first recouped payment.