AI Payment Recovery for SaaS
Dunning recovers 30%.
We call about the rest.
When a payment fails, dunning emails go straight to spam. Quitlo's AI calls within 5 minutes to securely capture a new card and flags the customers who were secretly planning to leave.
Your dunning email says “card declined.”
Quitlo says: “Expired card. Sent secure link while on the phone. Updated 4 minutes later.”
Or Quitlo says: “Customer is evaluating Databox. Refused to update card. Flagged as High Churn Risk.”
From engineers who built software for
AI:
“Hey, I'm reaching out because it looks like your last payment didn't go through...”
This is a live AI voice agent. Press play and speak. It will respond in real time.
This is what happened 6 minutes after a payment failed.
Hey, this is Alex from Dashwise. Quick heads-up — the card we have on file expired, so your last payment didn’t go through. Want me to send you a secure link to update it?
Yeah... I’ll get around to it eventually.
Vague, non-committal response — no urgency to fix payment
No rush at all. Just between us though — are you still getting good use out of Dashwise, or has it kind of fallen off your radar?
Honestly? We switched to Databox about a month ago. I just hadn’t gotten around to canceling yet.
Customer has already migrated to competitor. Dunning sequence aborted. Tagged for Win-Back campaign.
Totally fair. Would you mind sharing what made you switch? Not trying to change your mind — just want to understand what happened.
The Zapier integration kept breaking. We’d lose a whole day of data and have to rebuild reports manually. Databox has native integrations.
Zapier connector instability caused data loss and manual workarounds
That makes sense. One last thing — if Dashwise shipped native integrations, would that change anything for you?
Honestly, yeah. The reporting was better on your side. If the integrations just worked, I’d probably switch back.
Customer would return if core issue is resolved. High win-back potential.
Really appreciate you sharing that. I’ll make sure the team knows. Have a good one!
This customer was never going to update their card. Without this call, they would have churned silently and no one would know why. Now you know it's Databox, and you know in real time.
Four minutes after the call ended, this appeared in #revenue-recovery:
Every failed payment. Every recovery. In the channel your team already checks every morning.
After 30 days, you'll see the money.
Sample data shown below. Your dashboard populates as calls complete.
Why payments fail
From a real call
“Honestly? We switched to Databox about a month ago. I just hadn't gotten around to canceling yet.”
Without this call, they would have churned silently. Now you know the competitor, the reason, and the win-back path.
$4,850
Recovered from 23 calls
Subscription paid for itself 16x over.
4 min
Failed payment to call
Faster than your dunning email sequence starts.
Five minutes. Recovering revenue by tomorrow.
Connect Stripe
One OAuth click. Secure access.
Connect Slack
Pick your channel. Done.
That’s it.
Failed payments trigger calls automatically.
No configuration, no scripts to write, no manual monitoring.
The Difference
Passive dunning vs. active recovery
Your dunning email says:
Dashwise Billing
noreply@dashwise.com
Action required: Payment failed
Hi Mike,
We were unable to process your payment of $149.00 for your Growth plan. Please update your payment method to avoid service interruption.
If you believe this is an error, please contact support.
Day 14: Subscription canceled (unread)
Quitlo says:
“I got a new card last month. Forgot to update it. I use Dashwise every day for reporting.”
Day 1: Card updated over phone ($149/mo saved)
The 5 Categories
Every moment a customer might leave, covered.
Trigger
Payment fails after retry attempts. AI calls the customer to understand the situation and recover the payment.
Conversation
“We noticed your payment didn't go through — just wanted to check in and see if everything's alright.”
“Oh, I just switched banks and forgot to update my card. I'm happy with the product!”
“Great to hear. I can send you a direct link to update your payment method — would that help?”
Slack Summary
FAILED PAYMENT — Mike T.
Sentiment: Happy customer, billing issue only
“Switched banks, forgot to update card. Loves the product.”
Save opportunity: EASY WIN — Send payment update link, no churn risk
The Payment Recovery Landscape
Email retries. Human callers. Or AI that does both.
Dunning Software
Churn Buster, Stunning, Butter
30-40%
$50-200/mo
BPO / Collections
Gravy Solutions
41-55%
$7-12/call + 15% commission
Quitlo (AI Voice)
You are here
Closing the gap at AI cost
$0 upfront (performance pricing)
Integrations
Connects to the tools you already use
Pipe insights straight into Slack, enrich your CRM, trigger workflows in Zapier. No CSV exports, no manual copy-paste.
Performance-Only Pricing
We only make money when you do.
We charge 0% upfront. We take 15% of the MRR we successfully recover that your automated emails missed.
If we recover nothing, you pay nothing. Cancel anytime.
Connect Stripe to StartAfter proving value, transition to flat-rate pricing:
Common questions. Straight answers.
Yes. Our answer rate is 38%. And with failed payments, customers are grateful you called — most didn’t even know their payment failed.
Yes, always. The call opens with full disclosure. But most customers don’t care who’s calling — they care that someone noticed before they accidentally lost access.
The AI finds out why. If they’re leaving, you get a churn reason. If it’s a billing issue, you get the details to fix it. Either way, you learn something you wouldn’t have otherwise.
Natural and conversational. These calls are warm and helpful — “hey, your payment didn’t go through, wanted to check in” — not robotic debt collection.
Secure access to failed payment events and customer contact information. We never see card numbers or billing amounts.
Yes. The AI can offer to send a direct link to update payment info. You configure the URL in your dashboard.
Dunning emails get lost in the inbox. Phone calls get answered.
Recover the revenue your emails are missing.
Connect Stripe. See your failed payments. Start recovering in minutes.
Connect Stripe. Start recovering.Performance pricing: $0 upfront. You pay only when we recover.