See your real number before you enter a card
Connect Stripe and PaidGuard shows you exactly how much you've lost to failed payments in the last 90 days — real numbers, not an industry estimate. Decide to activate recovery only after you've seen it.
No card required to connect Stripe • First month free once you activate — only 5% on what we recover
Inside the product
Built for SaaS founders who don't want to babysit failed payments
Set it up once. PaidGuard handles the follow-up emails and the analytics from there — Stripe keeps doing the retrying.
Recovery dashboard
See recovered revenue, success rates, and which customers still have an open failed payment—all in one place. No spreadsheets, no SQL.
Dunning email timeline
Each failed payment gets a custom email schedule—1h, 6h, 1d, 3d, 7d—with each message sent at the moment you chose. No hammering, no spam flags.
Dunning email tone
5 pre-built stages (soft, medium, urgent, final, last chance). Pick one of three tones — friendly, professional, or premium — and set the timing. We write the copy.
Customer-facing update page
One-click link in every email takes the customer to a clean, secure payment update form. You stay on-brand; we handle the rest.
How much are you losing to failed payments?
Across 2,200+ subscription merchants, a median of 8.3% of renewal invoices failed on the first attempt — 6.1% on credit cards, 15.6% on debit — and dunning recovered a median of 49% of them (Recurly, 2024; vendor data). Those are medians, not your numbers. Connect Stripe and we'll show you the real ones, free.
Estimated loss
$1,525 – $3,900 /mo
Median first-attempt decline rate on renewal invoices, credit to debit (Recurly, 2024) — applied to your MRR as an approximation, not your actual data
Estimated recovery
$8,967 – $22,932 /year
$747–$1,911/mo at the median 49% dunning recovery rate (Recurly, 2024) — a median, not a promise
Stop guessing. See your actual number — no card required.
Connect Stripe (2 minutes) and we'll show your real failed-payment total from the last 90 days — not an industry estimate. You only add a card when you decide to activate recovery.
Connect Stripe, see my real numberThe question everyone asks
Why not just use Stripe's built-in Smart Retries?
Turn all of it on. Stripe reports Smart Retries recover 57% of failed recurring payments on average, and Stripe already emails your customer and hosts the page where they pay. PaidGuard replaces none of that — it adds the email layer on top: your cadence, your tone, your name.
Stripe native
- — Smart Retries: 8 attempts over 2 weeks by default, timed by AI
- — An automatic email to your customer after each failed payment
- — A Stripe-hosted page where they update the card and pay
- — Automatic card updates when the network issues a new number
- — Recovery analytics in your Stripe Dashboard
PaidGuard
- A dunning sequence on your cadence, from 1 hour to 14 days
- Up to 5 escalating stages, with a real deadline
- Three tones — Stripe's own email copy is fixed
- Emails signed with your business name, not ours
- Your last 90 days of failed payments, free, before you pay
Keep every Stripe feature on. PaidGuard never retries a payment and never touches card details — Stripe does that, and does it well. Stripe's own documentation lists what it covers.
How we compare
How PaidGuard stacks up
There are other tools in this space. Here's an honest breakdown of what you get with each.
| Feature | PaidGuard | Churnkey | Stunning | Baremetrics | ProfitWell Retain |
|---|---|---|---|---|---|
| No annual contract required | Often annual | — | — | ||
| Free tier available | — | — | — | — | |
| Custom retry schedules | Email cadence only | — | |||
| Dunning email sequences | 5 stages | ||||
| Email template editor (no code) | 3 tone presets | — | |||
| Revenue calculator / forecasting | — | — | |||
| White-label customer page | — | — | — | ||
| Multi-PSP support (not just Stripe) | — | — | — | ||
| Public pricing on website | — | — | |||
| Starting price | $39/mo + 5% recovered | Quote-based | Quote-based | $96/mo | Folded into Paddle |
Comparison based on publicly available information, March 2026. We're not affiliated with these companies. Verify before making decisions.
Compared to Churnkey
PaidGuard shows pricing publicly. No quote-based upsell. No annual contract. Same core dunning features; the retrying itself stays with Stripe either way.
Compared to Stunning
PaidGuard is Stripe-first (deeper integration, no config layer). Less custom workflows, more "it just works."
Compared to ProfitWell Retain
ProfitWell Retain was discontinued when acquired by Paddle. PaidGuard is the active, maintained option.
Four steps. Zero code. Real revenue back.
Connect Stripe, see your real number, activate when you're ready, watch failed payments recover automatically.
Connect Stripe in 2 min
OAuth login. We can't move money or change prices — there's no code path that does. No card required yet.
See your real number
We show your actual failed payments from the last 90 days — not an industry estimate — before you decide anything.
Activate recovery
Ready to recover it? Add a card, set your email schedule, and customize dunning email tone and timing.
Watch revenue recover
Real-time dashboard shows what's failed, what we've emailed, and what's recovered. No guessing.
Simple, transparent pricing
See your real number free, no card required. Activate when you're ready. First month free. Cancel anytime.
Performance
We only make more when we recover more for you.
Flat monthly fee, plus a share of revenue we actually recover for you — no other fees, ever.
See your number first, no card: connect Stripe and we'll show your real failed-payment total before you enter any payment details.
Month 1 is free: once you activate, no $39 base fee — you only pay 5% on whatever we recover. Recover $0 in month 1 → pay $0.
From month 2: $39/mo + 5% recovered. Example: recover $2,000 → pay $39 + $100 = $139.
- Unlimited MRR protected
- Custom dunning schedule (choose from 6 intervals)
- Up to 5 dunning stages, 3 tone presets
- Dunning emails signed with your business name
- Real-time recovery dashboard
- 5% fee only on payments we recover — never on total revenue
No card required to see your real number. A card is only needed when you activate recovery — and even then, you're only ever charged 5% on what we actually recover until month 2.
Your data security is non-negotiable
We connect to Stripe via OAuth. PaidGuard can't charge a card, issue a refund, or change a price — there's no code path that does, and you can see the exact access granted on your Stripe Connected Apps page.
OAuth, not API keys
You never paste raw API keys. OAuth flow with explicit scope grants.
No money movement
PaidGuard's code has no path to charge, refund, or modify a subscription — verify the exact access on your Stripe Connected Apps page.
Encrypted at rest
All data encrypted with AES-256. Backups encrypted. Database hosted on Neon.
No card data stored
We never see or store customer card numbers. Stripe handles all PCI compliance.
Revoke anytime
Disconnect from PaidGuard dashboard or Stripe dashboard. Instant removal.
GDPR & CCPA compliant
Data export, deletion, and audit logs on request. Privacy policy publicly available.
Questions you're probably asking
Stop losing revenue to failed payments
See your real number free — no card required. Connect Stripe in 2 minutes.
See my real number →Questions? Email hello@paidguard.io