Executive Summary

Many subscription businesses—SaaS, DTC, publishers and membership sites—lose revenue when card charges fail: failed-charge rates commonly run 3–8% per billing cycle, producing measurable churn and manual recovery costs. With an estimated 2,000,000 subscription businesses and a $2.4B addressable market (roughly $1,200/year per business for payment-recovery and analytics), finance and growth teams are the ones most exposed to this leakage. You could build a Stripe-native service that diagnoses failed payments in real time using webhook telemetry and PaymentIntent/Charge metadata, classifies root causes (expired card, insufficient funds, bank blocks, routing errors), and surfaces precise actions for automated retries, card-update flows, or targeted dunning. Layer in AI-assisted message personalization, orchestration across email/SMS/in-app, and a compact dashboard that shows dollars recovered and ROI, and position the product for SMB and mid-market merchants with a lightweight integration (<30 minutes) to demonstrate early wins. The market is attractive now because recurring business models are expanding, Stripe and other platforms expose richer telemetry and webhooks, and inexpensive AI makes personalized recoveries materially more effective—so modest recovery lifts translate directly to high ROI. To stand out you must prioritize diagnostic speed and high-fidelity root-cause classification, deliver measurable A/B-tested automation, and manage PCI/compliance and merchant trust; strengths are clear dollar ROI and technical defensibility via workflow and data, while challenges include a moderately crowded competitive landscape and the need for live data to tune personalization models.

Market Opportunity

Stop subscription leaks: diagnose & recover failed Stripe payments fast targets a $2.4B = 2,000,000 subscription businesses x $1,200/year on payment-recovery & analytics total addressable market with medium saturation and a year-over-year growth rate of 12% annual growth in subscription tooling & payments analytics.

Key trends driving demand: Subscription-economy expansion -- more businesses rely on recurring billing, increasing absolute failed-charge risk and ROI on recovery tools; Platform APIs & webhooks -- Stripe and others expose richer telemetry enabling fast diagnostics and automation; AI-assisted personalization -- models can craft timely, personalized dunning messages that lift recovery rates; Focus on unit economics -- tighter scrutiny of churn and revenue leakage makes direct-recovery tools high-priority spend.

Key competitors include Churn Buster, Stripe Billing (native dunning & retry features), Chargebee.

Sign in to access

Stop subscription leaks: diagnose & recover failed Stripe payments fast

Executive Summary

Market Validation

Market Opportunity

More in FinTech

Drowning in bills? Scan once — AI auto-categorizes and books entries

Stop late payments: automated invoice reminders and reconciliation

Simplify inventory and GST compliance with AI-driven workflows

Missed SaaS revenue from failed payments — automated collection

Slow finance ops from documents — combine AI, RPA, and document intelligence

Opaque EV total-cost pain — personalize TCO, incentives, and insurance marketplace