Connect your payment provider and let RetainPay automatically retry failed subscription payments at optimal times. Safe, reliable, and designed to recover lost revenue.
RetainPay AI is an automated payment recovery layer that works above your payment gateway. Failed payments are normalised, assessed and retried on evidence-based timing — and recovered funds settle straight to you. 14 integrations are live today, covering card providers, direct debit, subscription billing platforms and marketplaces.
Failed payments are a billing problem, not a marketing problem. RetainPay AI treats every decline as a scheduling decision backed by an audit trail your finance team can verify — whichever gateway processed the payment.
RetainPay AI sits above your payment gateway, not inside it. A gateway abstraction layer normalises failed-payment events from any provider into one recovery pipeline, so you keep the gateway, processor and billing stack you already run.
Each retry is scheduled from the normalised decline reason, issuer behaviour and off-peak banking windows — never a fixed dunning calendar. Up to three attempts, minimum one hour apart, capped at 72 hours from the original failure.
Every attempt, decline reason, retry decision and settled recovery is logged in your console with a machine-readable rationale, so finance can reconcile each recovered payment line by line.
Recovered payments settle 100% into your own merchant account. We invoice a 10% success fee on the first of each month — nothing is ever deducted from your payouts.
The same four stages run for every connected gateway. Only the inbound event format differs — the recovery logic, controls and reporting are shared.
A failed invoice or payment attempt is received from your gateway the moment it is reported, through a webhook or an API connection.
Provider-specific decline codes are translated into a single normalised taxonomy. Terminal declines are excluded; recoverable soft declines are queued.
The engine selects the retry window, enforces attempt limits and applies duplicate-charge controls so a customer is never charged twice for the same obligation.
The charge settles into your own account, the customer stays subscribed, and the recovery is recorded for reporting and success-fee accounting.
Every integration below is live. Connect your account credentials, confirm the webhook, and recovery begins on the next failed payment.
Failed card charges are retried on the customer's stored payment method, verified by signed notifications from your provider account.
Returned Bacs and SEPA collections are re-presented on the existing mandate, on working-day timing built for bank rails rather than card rails.
Failed invoices and renewals are retried through your billing platform, and only marked recovered once the platform confirms the money was collected.
Failed payments on connected accounts and store subscription renewals are recovered through the same pipeline, with the same duplicate-charge controls.
An illustrative worked example for a £50,000/month subscription business. Figures are illustrative and are not a guarantee of results.
Everything you need to know about how RetainPay AI recovers failed payments.
10%
Success Fee — No Upfront Cost
24/7
Automated Recovery
<5 min
Setup Time
99.9%
Uptime SLA
Enterprise-grade payment recovery built for subscription businesses of all sizes.
Automatically analyzes decline codes and identifies the best recovery strategy for each failed payment.
Schedules retries during banking hours when card issuers are most likely to approve transactions.
Every retry uses unique idempotency keys to prevent duplicate charges and ensure safe transactions.
Monitor recovery performance with live updates and comprehensive analytics on your payment health.
Encrypted API keys with industry-standard security. Row-level security and role-based access control on all data.
Connect your payment provider in minutes. No code changes required to start recovering revenue.
The global digital subscription market is worth over £200bn. When UK and US merchants bill customers in Africa, LATAM or the Middle East, failure rates spike from 5% to over 25%. RetainPay AI fixes that.
£0bn+
Global subscription market
0%+
Emerging market failure rates
5×
Higher recovery vs manual retry
Total Revenue Recovered
£0.00M
and counting — recovered autonomously by RetainPay AI
LiveOnly pay when we recover revenue for you. No hidden fees.
No setup fees. No monthly minimums. You only pay when we recover.
No card required · Live in 60 seconds · Cancel anytime
Join hundreds of subscription businesses using RetainPay to automatically recover failed payments and reduce involuntary churn.