Working with Redux has been a game changer. With over 3m users, we were losing significant ARR to failed payments despite already using Stripe Smart Retries. Since partnering, we've recovered over 6-figures without having to do any work. It's a no-brainer.
Aleem Rehtmulla
CTO at Crayo AI
Stripe's model is baseline + partners.
Stripe Billing includes Smart Retries by default, and partners with recovery platforms through the App Store. Redux partnered with Stripe to bring specialized recovery to B2C brands.
Payment recovery services: Stripe partners with various payment recovery businesses to provide additional services.
Stripe Documentation
B2C recovery is a different game.
A $15 fitness subscription on an AMEX card and a $175 corporate subscription do not fail the same way. Stripe has to be “good enough” for everyone: B2B, B2C, SMBs and enterprise. So its recovery logic is generalist by design.
That’s a problem when your business is B2C subscriptions.
Insufficient funds is common, not terminal
When a consumer's credit card declines, it usually means they're between paychecks, not that they've churned. The right timing recovers them.
Pay cycles matter more than retry frequency
Consumers get paid on predictable schedules. Recovery timed to their actual cash flow outperforms random retry attempts.
Consumer behavior ≠ B2B behavior
B2B customers update cards proactively. Consumers don't. Recovery needs to work differently with zero friction.
AI that learns automatically
Gets smarter on your specific failure patterns to improve recovery on autopilot.
Redux vs Stripe Smart Retries
Feature
Redux
Stripe Smart Retries
Relationship to Stripe
Official Stripe App partner
Native Stripe feature
Role
Specialized B2C upgrade layer
Basic recovery
AI/ML recovery engine
Trained for B2C subscriptions
Basic broad recovery
Seperate emails from retries
(only email when needed)
x (email per retry, increases churn)
Coordinate retries with emails
x
Recovery analytics
Basic
Trial to paid recovery rates
x
No engineering required
Billing
Pay only on lift
Included in Stripe Billing
Dedicated support
Email, Slack
Email
Best fit
$1m-$100m+ ARR B2C (iOS/android, AI, web apps)
General purpose
What changes when you add Redux?
B2C intelligent retries
AI models trained exclusively on consumer behavior and banking patterns, with more retry attempts optimized for when customers have funds or banks are more likely to approve.
Smarter email communication
Smart Sending optimizes timing, uses your domain and branding, and focuses on fewer, better-timed messages to protect customer relationships.
Frictionless payment updates
Instant update forms let customers fix their payment info without logging in, reducing drop-off and recovering more revenue.
Frequently Asked Questions
Does Redux replace Stripe?
No. Redux is a Stripe-native partner that extends Stripe Billing. You install it from the Stripe App Marketplace. Stripe remains your system of record.
How is Redux different from other recovery tools?
We're the only platform focused exclusively on B2C subscriptions. Our AI is trained on consumer behavior, not B2B invoice patterns. We're obsessively focused on one thing: recovering B2C failed payments better than anyone else.
What does setup require?
Install the Redux app from the Stripe Marketplace. No code. No engineering. Most teams are live in under 30 minutes. Here's the full quickstart guide.
Why wouldn’t Stripe just build this?
Stripe optimizes for breadth, serving millions of businesses across every model. Partners like Redux optimize for depth in specific verticals. This is Stripe's stated strategy: baseline + specialized partners.
What if Redux doesn't outperform Stripe?
You don't pay. Redux only charges when we improve your Stripe recovery rate. If there's no lift, there's no cost. Zero up front risk.
How fast do results show up?
You'll see data within the first billing cycle. Meaningful lift typically shows within 30 days.
Is it only for B2C?
Yes. Redux is purpose-built for high-volume B2C and prosumer subscriptions. If you're B2B-heavy, Stripe Smart Retries may be enough.
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