Comparison
Recoupt and Gravy are both Stripe payment recovery services, but they serve opposite ends of the market. Gravy is an enterprise-grade 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 — free under $1K MRR, $25/month above. No call, no integration project, no percentage.
Gravy is an enterprise recovery service. Its model presumes a buyer with enough failed-payment volume to justify a custom contract, the appetite for a sales process to establish that contract, and the engineering bandwidth to complete an integration on the back of it. The pricing scales with recovery volume, which works for accounts large enough that even a 20% take is small in absolute dollars relative to recovered revenue.
Recoupt is the opposite shape. Self-serve sign-up, public pricing, flat $25/month (free under $1K MRR), Stripe OAuth in five minutes. The model presumes a solo founder or small team who wants the recovery problem solved today, not in two weeks after a discovery call. The economics flip too: at SMB volume, a percentage of recovered revenue cost-burdens the recovery itself, while a flat fee leaves every recovered dollar intact.
Neither model is wrong — they’re targeting different markets. The question is which one fits your stage.
At a glance
| Recoupt | Gravy | |
|---|---|---|
| Audience | Solo founders, small SaaS | Enterprise subscription teams |
| Pricing | Public: $0 / $25 mo flat | % of recouped (sales-gated) |
| Onboarding | Self-serve OAuth | Sales call + integration |
| Time to first recovery | ~5 minutes | Days + sales cycle |
| Smart retries by failure reason | ||
| Branded dunning emails | ||
| Dedicated account management | ||
| Free tier | Up to $1,000 MRR | None |
Gravy uses percentage-of-recovered pricing, with the exact percentage and contract terms set during a sales conversation. Industry sources commonly cite enterprise recovery services in the 15–25% range. The number you pay is a function of how much they recover for you — a 20% take on $50,000 of recovered revenue per month is $10,000/month for the recovery service alone.
Recoupt’s pricing is the opposite shape: public, flat, and visible on the homepage. $0 up to $1,000 MRR (a free tier that covers all features), $25/month flat above that. There is no usage component and no negotiation. For an SMB recouping $500/month in failed payments, a 20% take is $100/month against Recoupt’s $25; for one recouping $2,000/month, the gap widens to $400 against $25.
The structural difference is who absorbs the volume risk. With percentage pricing the recovery vendor’s revenue grows directly with your involuntary churn — the incentives are aligned on recovery rate but not on keeping the bill predictable. A flat fee makes the cost a fixed line item; recovered revenue is yours to keep. See the full pricing-model breakdown for a deeper TCO analysis.
Gravy’s onboarding starts with a sales conversation — discovery, scoping, quote, contract, integration project. For an enterprise team with a procurement process and dedicated engineering capacity, that’s a familiar shape and the dedicated account management on the other side often justifies it. For a solo founder, it’s a multi-week detour from doing the actual work.
Recoupt connects via Stripe OAuth alone — the same one-click flow Stripe uses for every official integration. No sales call, no demo gate, no contract negotiation. Click "Connect Stripe" on the marketing site, authorize, and the service starts monitoring failed payments immediately. First-time setup is about five minutes from click to live. The free tier under $1K MRR means you can evaluate it on your own real failures before any spend.
The trade-off is that Recoupt does not offer dedicated account management, custom integrations, or human-touch recovery outreach. That’s Gravy’s lane — and a legitimate reason for an enterprise team to choose them.
Decision shortcut
Recoupt and Gravy are both Stripe payment recovery services, but they serve opposite ends of the market. Gravy is an enterprise-grade 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 — connect Stripe in five minutes via OAuth, free under $1,000 MRR, then $25/month flat. No sales call, no integration project, no percentage taken from recovered revenue.
Gravy uses percentage-of-recovered pricing, which industry sources commonly cite in the 15-25% range for enterprise recovery services. Pricing is sales-gated — you have to book a call to get a quote. Recoupt is fully transparent: $0 under $1K MRR, $25/month flat above, listed publicly. For a SaaS recovering more than roughly $125/month in failed payments, Recoupt’s flat fee is several multiples cheaper than a 20% take of the same revenue.
No. Recoupt is fully self-serve. Click “Connect Stripe” on the marketing site, authorize via Stripe OAuth, and the service starts monitoring failed payments immediately. There is no sales call, no demo requirement, no contract negotiation, and no minimum commitment. The free tier covers all features up to $1,000 MRR so you can evaluate it on real failures before any spend.
Yes. Gravy is built for enterprise subscription businesses with the volume to justify a sales-gated, percentage-of-recovered model. Recoupt is built for SMB SaaS and solo founders who want the same core recovery jobs (smart retries by failure reason, branded dunning emails, recoupment dashboard) without the enterprise price tag or onboarding motion. If you are running a Stripe-based subscription business under mid-market scale, Recoupt is the obvious fit.
Gravy is a better fit when you are running an enterprise subscription business with enough failed-payment volume to justify a custom enterprise contract, want dedicated account management and high-touch recovery support, and are comfortable with percentage-of-recovered pricing at enterprise scale. For SMB SaaS or solo founders, Recoupt covers the same core recovery jobs (smart retries, dunning emails, recoupment dashboard) without the enterprise spend or onboarding overhead.
Recoupt works for any Stripe-based subscription business — the flat $25/month price does not scale up with MRR, so the larger your account, the better the unit economics. That said, Recoupt is primarily designed for solo founders and small SaaS rather than enterprise teams with dedicated retention staff. Enterprise buyers who want dedicated account management, custom integrations, or human-touch recovery outreach should evaluate Gravy or similar enterprise services.
Free under $1K MRR. Flat $25/month above. No sales call, no integration, no percentage of recovered revenue. Connect Stripe in five minutes and start recovering.