What is RecoverPay?
RecoverPay is a revenue defense platform for Stripe merchants that prevents chargebacks, recovers failed payments automatically, and protects your Stripe account from fraud. It uses the Circuit™ Engine for real-time risk scoring and smart payment retry logic.
Key Features:
- Chargeback prevention with real-time fraud detection
- Failed payment recovery with AI-powered smart retries
- Stripe account health monitoring
- Device fingerprinting and velocity checks
- Shadow Mode for risk-free threat auditing
Who is RecoverPay for?
RecoverPay is designed for subscription businesses, SaaS companies, and e-commerce merchants using Stripe who want to reduce involuntary churn, prevent disputes, and protect their payment processing capabilities.
Stripe is banning legitimate businesses.
Is yours next?
RecoverPay uses the Circuit™ Engine to block high-risk threats and recover failed payments before they freeze your account.
Last 12 hours
Threat blocked
Card testing attack · $0 lost
0.12%
avg dispute rate
$2.4M+
revenue protected
47K
threats blocked
5 min
to deploy
You are flying blind against 3 invisible threats
Most businesses don't realize they're at risk until it's too late. These silent killers are draining your revenue right now.
The Card Tester
Fraudsters target your API with thousands of stolen cards. Stripe sees the declines and flags your account for "high risk activity."
The Silent Churn
Generic dunning emails get ignored. You lose 5-9% of revenue to simple card expirations that could have been recovered.
The False Positive
Standard fraud tools block real buyers with overly aggressive rules. You lose sales you didn't even know you had.
The average business loses $127,000/year to these threats combined.
Stop trying to recover. Start defending.
Traditional dunning tools only act after the damage is done. The Circuit™ Engine prevents problems before Stripe ever sees them.
Old Way (Dunning Tools)
Result: 0.9%+ dispute rate → Account frozen
New Way (Circuit™ Engine)
Result: 0.12% dispute rate → Revenue protected
How Circuit™ Works
Customer attempts payment
Circuit™ scans for risk signals
Block threats OR allow clean transactions
Stripe only sees good traffic
Customer attempts payment
Circuit™ scans for risk signals
Block threats OR allow clean transactions
Stripe only sees good traffic
Defense + Recovery in one platform
Three powerful modules working together to protect your revenue and keep your Stripe account healthy.
The Watchtower
Freeze Risk Monitor
We scan your dispute velocity 24/7. Get alerted the moment you approach the 0.9% danger zone. Know your account health score in real-time.
- Real-time dispute rate tracking
- Freeze risk score (0-100)
- Trajectory alerts before threshold
- Weekly health reports
Dispute Rate
0.12%
Days to Threshold
∞
The Shield
Active Circuit Breaker
Install our lightweight SDK to fingerprint devices and block bots in the browser—before they ever hit Stripe. Invisible protection.
- Device fingerprinting
- Bot & card testing detection
- VPN/Proxy blocking
- Global fraud blacklist
<script src="recoverpay.com/shield.js">
</script>
<script>
RecoverPay.init({
publicKey: 'pk_live_xxx',
mode: 'active', // or 'shadow'
onBlock: (threat) => {
console.log('Blocked:', threat);
}
});
</script>The Medic
Smart AI Recovery
For legitimate failures, our AI retries charges on paydays when customers have money. Recover 15% more revenue than generic dunning.
- AI-powered retry timing
- Payday detection
- Smart email sequences
- Card update flows
Initial failure detected
Retry on payday (Friday)
Email: Update card link
Final retry attempt
Not ready to block? Just watch.
Run the Circuit Engine in Shadow Mode. We'll audit your traffic and tell you exactly how many threats you would have blocked. Zero risk. Zero changes to your checkout.
* No transactions were actually blocked during shadow mode
See real data before committing. Upgrade to active blocking anytime.
Choose your defense level
Start with recovery. Scale to full protection.
Recover
Fix the Past
- Dunning email campaigns
- Static retry schedule (Day 1, 3, 7)
- Basic analytics dashboard
- Email support
- Up to 1,000 customers
Growth
Watch the Present
- Everything in Recover
- Freeze Risk Monitor
- Dispute Trajectory Alerts
- Smart AI Retry (Paydays)
- Passive Risk Detection
- PDF Health Reports
- Up to 5,000 customers
All plans include a 14-day free trial. No credit card required.
Need a custom plan? Contact us
Questions? Answers.
Everything you need to know about Circuit™ protection.
Shadow Mode lets you see exactly what threats Circuit™ would block—without actually blocking anything. It runs passively on your Stripe account, analyzing every transaction and flagging risks. You get a full audit report showing potential fraud, dispute risks, and revenue you could protect. Zero impact on your live payments.
No. Circuit™ is designed to protect your Stripe account, not put it at risk. We help you stay below the 0.75% dispute threshold that triggers Stripe warnings. Our compliance scanner monitors your account health 24/7 and alerts you before problems escalate.
Stripe Radar is a general fraud filter. Circuit™ is a complete revenue defense system. We combine real-time risk scoring, smart payment recovery, dispute prevention, and account health monitoring. Plus, our Shadow Mode shows you threats Radar misses—before they become chargebacks.
For basic plans (Recover & Growth), no code required—just connect via Stripe OAuth in 60 seconds. For advanced features like active blocking (Shield+), you add a simple SDK snippet. Either way, you can be protected in under 5 minutes.
When a high-risk transaction is detected, Circuit™ can block it before it processes (Shield tier), route it to manual review (Titanium tier), or simply log it for your awareness (Shadow Mode). You control the sensitivity and can whitelist trusted customers.
Shadow Mode delivers your first threat audit within 24 hours. Smart recovery typically shows results within the first week. Most customers see a measurable reduction in disputes within 30 days of enabling active protection.
Yes. No contracts, no cancellation fees. You can disconnect Circuit™ from your dashboard instantly. We will stop monitoring immediately and any pending actions will be cancelled. Your data is retained for 30 days in case you return.
Start with Recover ($49/mo) if you just need smart payment recovery. Growth ($99/mo) adds health monitoring. Insight ($149/mo) unlocks Shadow Mode audits. Shield ($299/mo) enables active blocking. Titanium ($999/mo) is for high-volume merchants needing custom routing and dedicated support.
Still have questions?
Talk to our teamDon't wait for the Red Banner
By the time Stripe warns you, it's already too late. Start monitoring your account health today.
Secure My RevenueFree 14-day trial · No credit card required · Cancel anytime