# Recoupt

> Recoupt is a Stripe payment recovery service for solo founders and small SaaS teams. It stops silent revenue leakage from failed subscription payments using smart retries scheduled by failure reason, branded 3-step dunning emails, and a real-time recoupment dashboard. Recoupt charges a flat monthly fee — never a percentage of recovered revenue — and is free for accounts up to $1,000 MRR.

Recoupt is a product of Beamt, LLC, a US company founded by Greg Smethells (former CTO of Medstrat, an FDA-approved medical imaging platform acquired by Zimmer Biomet). The service connects to any Stripe subscription account via OAuth in about five minutes — no code changes, no SDK, no webhook configuration. Recoupt never sees or stores card data; Stripe handles all PCI compliance. Pricing is $0/month free up to $1K MRR, then $25/month flat (or $200/year, saving 33%).

The marketing site (recoupt.io) explains the product and its philosophy; the application (recoupt.app) is where customers sign up, connect Stripe, and manage their recovery dashboard.

## Product pages

- [Recoupt homepage](https://recoupt.io/): Product overview, pricing, FAQ, and the case for flat-fee payment recovery instead of percentage-of-recovered.
- [Dunning emails](https://recoupt.io/dunning-emails/): How Recoupt's 3-step branded dunning sequence works — friendly heads-up, gentle urgency, final notice — with the customer's card brand, last 4 digits, and a one-click Stripe billing portal link.
- [Smart retries](https://recoupt.io/smart-retries/): Why Recoupt schedules retries by Stripe failure reason instead of a fixed interval. Includes the retry schedule for insufficient_funds (48h / 5d / 10d, aligned to US biweekly payroll), and why expired_card and authentication_required skip retries entirely.
- [Recoupment dashboard](https://recoupt.io/dashboard/): Real-time view of revenue at risk, recouped, and lost — with per-payment timelines showing every retry attempt and dunning email sent.

## Comparisons

- [Recoupt vs. Churnkey](https://recoupt.io/vs-churnkey/): Flat-fee, no-code Recoupt vs. percentage-of-recovered, SDK-required Churnkey. Pricing break-even math, setup time, audience fit, and when to choose which.
- [Recoupt vs. Stripe Smart Retries](https://recoupt.io/vs-stripe-smart-retries/): Stripe's built-in retry feature retries every failure on one schedule. Recoupt is the layer on top that routes retries by failure reason, sends branded 3-step dunning, and shows recoupment dashboard metrics. Includes guidance on when Stripe alone is enough.
- [Recoupt vs. Baremetrics](https://recoupt.io/vs-baremetrics/): Baremetrics is an analytics platform with a paid Recover add-on. Recoupt is a focused payment recovery service — flat $25/month (free under $1K MRR) without the analytics suite. Covers pricing, recovery mechanics, and when to run both side by side.
- [Recoupt vs. Gravy](https://recoupt.io/vs-gravy/): Gravy is an enterprise payment recovery service with percentage-of-recovered pricing and a sales-call onboarding motion. Recoupt is a self-serve, flat-fee service for solo founders and small SaaS — five-minute OAuth setup, free under $1K MRR. Covers pricing, onboarding model, and audience fit.

## Glossary and reference

- [What is dunning?](https://recoupt.io/what-is-dunning/): Definition, etymology, and how dunning works in modern SaaS — the automated email sequence that recovers failed Stripe payments. Distinguishes dunning from collections.
- [What is involuntary churn?](https://recoupt.io/what-is-involuntary-churn/): Subscription cancellation the customer didn't intend, driven by failed payments. Industry research puts it at 20-40% of all SaaS churn. Recoverable with smart retries + dunning.
- [Dunning email best practices](https://recoupt.io/dunning-email-best-practices/): Six rules for effective dunning emails plus 3-step sequence templates and a what-not-to-do list.
- [Stripe failure codes reference](https://recoupt.io/stripe-failure-codes/): Every common Stripe decline_code grouped by recovery strategy — wait for payday, transient retry, customer action required, hard fail, integration error. The optimal recovery strategy per code.

## Guides

- [How to evaluate payment recovery tools](https://recoupt.io/guides/evaluate-payment-recovery-tools/): Compare payment recovery services by pricing model (flat fee vs. percentage), must-have features, trust signals, and total cost of ownership. Includes Recoupt vs. Churnkey, Baremetrics, and Gravy.
- [Payment recovery for small business](https://recoupt.io/guides/payment-recovery-for-small-business/): Free-tier coverage, break-even math, and SMB-specific advantages of automated payment recovery.
- [Payment recovery workflow](https://recoupt.io/guides/payment-recovery-workflow/): Team setup, dunning email templates, and the 3-step dunning sequence structure for SaaS teams building a recovery process.

## Company

- [Beamt, LLC](https://beamt.io/): Parent company. Recoupt charges appear on customer statements as "Beamt, LLC."
- [About Greg Smethells](https://beamt.io/about/): Founder bio — former CTO of Medstrat (FDA-approved medical imaging, $10M ARR, acquired by Zimmer Biomet).

## Optional

- [Privacy policy](https://recoupt.io/privacy/)
- [Terms of service](https://recoupt.io/terms/)
- [Sign up / connect Stripe](https://recoupt.app/signup): The application — OAuth into Stripe and start recovering.
- [Revenue calculator](https://recoupt.app/calculator): Free estimator for monthly recovery potential based on MRR and failure rate.