Failed payments are the #1 cause of B2C involuntary churn.
The invisible leak
Up to 15% of renewals fail due to preventable technical errors or temporary card issues, causing earned revenue to slip through the cracks for no reason.
The B2C blindspot
Standard recovery tools are too rigid for B2C, ignoring critical consumer nuances like payday cycles and local banking behaviors that lead to avoidable declines.
Permanent LTV loss
A failed payment is the permanent end of a customer relationship, wiping out years of potential lifetime value and the original cost of acquisition.
How Redux fixes your involuntary churn without you doing any of the work.
Payment Failed
The moment a card is declined, Redux instantly analyzes the failure code, issuer metadata and 100+ signals to understand the "why."
AI Recovery
Our engine builds a personalized recovery strategy for every subscriber, retrying the card only when the likelihood of success is at its peak.
Payment Recovered
Revenue is captured silently in the background to keep subscribers active without needing a single email. For hard declines or unrecoverable transactions, an Active Recovery strategy is then used.
Customer Rebilled
Your customer is rebilled the next month, and the month after. You capture months of LTV that would have been lost.
Key features.
The first recovery engine built exclusively for B2C.
B2C-first specialization
Optimized for high-volume consumer subscriptions, card types, and regional bank behaviors that generic tools overlook.
Continuous ML optimization
Our engine analyzes millions of transactions to adapt to global banking shifts in real-time, increasing success rates with every retry.
The "silent-first" standard
We recover the majority of failed payments invisibly in the background, protecting your brand equity by only involving the customer as a last resort.
Adaptive global intelligence
Navigate international growth with an engine that understands the specific decline patterns of banks across the US, EU, and LATAM.
Plug and play.
No complex migrations. Redux integrates with Stripe in minutes.
How exactly does the Redux AI/ML decide when to retry a card?
The engine analyzes over 100+ data points for every transaction. It looks at the reason for the decline, the card issuer’s historical behavior, and external factors like local time zones and payday cycles to find the exact moment banks are mostly likely to approve that transaction.
How does machine learning improve on standard retry logic?
Standard systems use fixed intervals that ignore why a payment failed in the first place. Our AI Engine analyzes the specific decline code and card brand to determine if the failure is temporary, like a daily spending limit, or permanent, like a lost card. It then adjusts the strategy in real time to maximize the chance of a successful future attempt.
Does the Redux engine learn over time?
Yes. Every success and failure is fed back into our models. This allows Redux to adapt to changing banking regulations and consumer habits in real-time, ensuring your recovery rates improve as your business scales.
What exactly is "Silent Recovery"?
Silent Recovery means we resolve the payment failure without the customer ever knowing there was an issue. This keeps the user experience frictionless and ensures you only reach out to your subscribers with "Update your card" emails when it is absolutely necessary.
Is an AI recovery engine better than sending dunning emails?
Emails should be your last resort. Outreach requires a customer to take manual action, which often leads to unnecessary friction or the user simply forgetting to update their details. We focus on recovering the revenue invisibly first, only involving the customer if the AI engine cannot resolve the issue on its own.
How does Redux differ from Stripe’s built-in "Smart Retries"?
Stripe provides a generic baseline for all business types. Redux is a specialized layer built specifically for the complexities of high-volume B2C subscriptions. We analyze thousands of consumer-specific data points, such as local payday cycles and issuer behavior, to capture the 20% to 30% of revenue standard processors leave behind.
How long does integration take?
Integration is plug and play. Since Redux sits on Stripe, setup typically takes less than 30 minutes and requires zero complex engineering. You can read our full quickstart guide.
What is the difference between active and passive churn?
Active churn occurs when a customer manually chooses to cancel. Passive or involuntary churn happens when a customer wants to stay subscribed but their payment fails due to technical errors or card issues. Redux is built specifically to eliminate this passive revenue leak.
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