Every morning, North Metric reads your Stripe account and lists the charges that failed, why they failed, which ones are still recoverable, and what each one is worth. Then it sends the dunning email for you.
Read-only Stripe · Emails from your domain · Flat price, no share of what you recover
New MRR covers the hole. A charge fails, the subscription drifts from active to past due to cancelled, and the top-line chart never dips.
Every failed charge listed by name, amount, and decline code. The top-line chart is optional; the past-due list is not.
Smart Retries fix timing problems. They cannot fix an expired card, a closed account, or a bank that said do not honor. Those need a message to a human, and Stripe sends one grey email.
Decline codes sorted into retryable versus dead. The retryable ones get your best retry day. The dead ones get a message from your domain.
The customer lost access, not the subscription. By the time they write in, the retry window closed and the invoice is void.
Card-expiry warnings at 30, 60, and 90 days. The customer updates their card before the charge fails.
Stripe reports that Smart Retries recover about 57 percent of failed charges on average. Founders at $10K to $300K MRR routinely measure 20 to 25 percent on the defaults. The gap is the failures a retry cannot fix.
Payment Recovery scans every failed charge daily and splits them by decline code, so you see which ones are timing, which ones are a dead card, and which ones are gone.
When the card is gone, retrying is noise. Payment Recovery sends a short sequence from your domain, in your name, with a one-tap card update link, and stops the moment the payment clears.
Retry timing follows your best recovery day and the decline code, not a fixed schedule. Customers who pay by invoice get the same sequence with a pay link.
MRR is what you billed. Cash is what arrived. Cash Collector reconciles the two every month and names the gap: failed charges still open, disputes pending, processing fees, and timing between invoice and settlement.
For a finance hire it is the reconciliation they would otherwise build in a spreadsheet.
Failed charges from the last 30 days, de-duplicated to the most recent attempt per customer. Open invoices count as at risk.
Split by Stripe failure code: insufficient funds and generic declines are retried; expired cards get an update request on day one; do-not-honor gets a request to call the bank; fraud blocks are never retried.
Per decline code, from your own history. Fewer than five attempts falls back to 40 percent, labelled low sample. An estimate, not a prediction.
Success rate by day of week over 180 days. Best day recommended only with five attempts behind it. Otherwise retry in three days, or end of month for insufficient funds.
Every active card bucketed at 30, 60 and 90 days, ranked by MRR. Five cards or $5,000 within 30 days is critical.
Never writes to Stripe. Daily, not real time. Totals gross; probabilities are historical, not predictive.
| Feature | Stripe alone | Dunning specialists | North Metric |
|---|---|---|---|
| Retries | One schedule | Decline-aware | Decline-aware, your best day |
| Emails | One grey Stripe email | Branded sequence | Branded, from your domain |
| Sees the leak | Analytics tab | Dashboard | Dollars per customer, daily |
| Card expiry | Updater only | Pre-dunning | 30 / 60 / 90-day warnings |
| Billed vs collected | No | No | Yes — Cash Collector |
| Price | Included | $250+ or 15–30% | Pro $79 flat |
| Write access | N/A | Usually | Never |
During your 14-day Pro trial, three agents — Churn Radar, Payment Recovery, and Upgrade Finder — read your Stripe data daily and price every risk and opportunity in dollars. If they don't surface at least 12.6% of your current MRR in actionable opportunities, we extend your trial automatically. If we still haven't found it, your first month of Pro is on us.
Bring your Stripe account. Twenty minutes, and you leave knowing what failed, why, and what it’s worth.
Read-only access · No credit card · Agents trial 14 days