Failed-Payment Recovery for Stripe

What it does

• Reads the real decline code from the Payment Intent instead of guessing from the event.
• Retries silently by reason: payday-timed for insufficient funds, fast for processing errors, never for dead cards. Always inside Visa and Mastercard retry limits.
• Re-checks the invoice with Stripe before every retry and every email. Paid means stop, instantly.
• Sends a warm five-step email sequence on days 0, 3, 7, 10, and 13 with a fresh Stripe portal link, no login needed.
• Ends every case in one outcome record: recovered, unrecoverable, or closed, with a restore or degrade signal for your app.
• Tells you on Slack or any webhook, Telegram, Discord, or a Google Sheet or Airtable row.

What it needs

• A Stripe account (live or test).
• Free automation software such as n8n on any machine with an internet connection.
• An SMTP sender for the emails: your mailbox, Google Workspace, Resend, Postmark, anything.
• About 15 minutes and the setup guide.

Security

Every Stripe event is verified with an HMAC signature and a five-minute freshness window before anything runs. Ids are sanitised before any API call. Your secret key lives only in your own credential store.

What it does not do, on purpose

• No machine-learning retry timing. The rules are plain and you can read them.
• No SMS, no in-app paywall, no cancel-flow surveys.
• No hard cancels, ever. Degrade is a signal your app acts on.

Part of the bundle

Every purchase includes all three workflows: Stripe recovery, PayPal recovery, and the expiring-card watchdog, plus the setup guide, the email templates, free updates, and a human on email within 12 hours. Full terms and the 14-day guarantee are on the terms page.