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Failed cards aren't lost revenue. They're a scheduling problem.

Revenue Recapture

Most declined payments fail for reasons that fix themselves in 24–72 hours. MoonClerk's recovery engine waits for the right moment — and retries on your behalf. You keep working.

Start recovering free →Check our prices
Revenue recovered for MoonClerk customers · this month
$2,148,392.04
avg recovery rate 38% · avg retries 2.3 · 8,500+ organizations
Smart retries
Recovers 38%
Dunning queue — today
LIVE
09:14 AM
AC
$49.00
Declined · insufficient
Tue · 09:00
PR
$99.00
Retry #2 scheduled
09:42 AM
MK
$199.00
✓ Recovered
10:02 AM
LN
$25.00
Declined · expired
Thu · 09:00
DC
Dante Castro
[email protected]
$1,200.00
Email sent · awaiting update
Smart retry — Tuesday 9am
Cards refill on Tuesdays and first-of-month more than any other day. We wait.
38%recover rate
WHY YOU LEAVE MONEY ON THE TABLE

Every SaaS loses ~9% of revenue
to involuntary churn.

Not because customers left. Because their cards expired, bumped the limit, or got flagged. Without a recovery engine, that money walks.

◐ WHY CARDS FAIL

Four reasons. None of them mean goodbye.

Real-world decline data from 8,500+ MoonClerk merchants, last 12 months.

Auto-recovered
0%

Insufficient funds

The most common decline. Fixed in 1-3 days when payroll or the next deposit hits.

Auto-recovered
21%

Expired card

Reissued card usually mails within 7 days. A recovery email with an update link fixes this instantly.

Auto-recovered
18%

Hit the limit

Credit line resets at month-end. Smart retry on the 1st recovers most of these silently.

Auto-recovered
14%

Fraud false-positive

Issuer flagged the card. Customer approves via SMS, we retry, it clears.

THE RECOVERY ENGINE

Five moves, fully automated.

We handle all of this the second a charge fails. You don't log in. You don't write an email. You don't chase.

1
T + 0

Charge fails

Stripe reports decline. MoonClerk logs it, flags the subscription, pauses dunning noise.

2
T + 1 hr

Customer emailed

Warm, branded email with a one-click update-card link. No spam tone. 27% fix it here.

3
T + 3 days

Smart retry

We wait for Tuesday 9am - the statistically best refill window - then retry automatically.

4
T + 7 days

Second nudge

Second email if retry fails. Different subject. Different CTA. Updated amount due.

5
T + 14 days

Final retry + pause

Last attempt. If still failing, subscription pauses, customer flagged in the dashboard for your review.

04 · RECOVERY EMAILS

Emails that sound like you.

Pre-written templates that already perform. Tone, color, logo — all yours. Three sequences, triggered by decline reason.

Personalized with name, amount, and plan
One-click update — no login required
Open, click, and recovery tracked in dashboard
Swap copy or disable per-plan at any time
mail · Inbox
Alex at Oxley Coffee[email protected]
Quick thing about your coffee club

Hi Priya —

Heads up: your monthly payment of $20.00 for the Oxley Coffee Club didn’t go through this morning. Happens all the time — usually the card just needs an update.

Takes 30 seconds, no login needed:

soft
OUTCOMES · ACROSS 8,500+ ORGANIZATIONS

Revenue that would've walked, staying put.

Real recovery benchmarks from MoonClerk merchants running standard settings for 90+ days.

Average recovery rate
38%
Of failed charges successfully retried within 14 days. Top quartile of merchants hit 52%.
Avg revenue saved · monthly
$6.8k
Per merchant with $100k+ MRR. Zero effort, running in the background.
Admin hours recovered
14h
Per month, vs. manually chasing declines. Time back for actual work.
TURN FAILED CHARGES INTO RECOVERED REVENUE

Your next lost sale
doesn't have to be lost.

Recovery engine is on by default. You'll see recovered revenue in your dashboard by week two.

Turn on recovery →See pricing
Zero recovery fees always