How it works

CardChase recovers failed subscription charges before they become involuntary churn. It retries on the schedule you set, writes the customer in your voice, and holds every action behind a window you can cancel inside — you approve each one. Here is what that looks like, step by step.

Connect Stripe

One connection to Stripe Billing. CardChase reads your failed subscription charges where they already are — there is nothing to migrate, no new place to bill from, and no change to how your customers pay.

A failed charge enters the ladder

The shipped schedule is four rungs across a week. The first is a silent retry the day after the failure, deliberately: a card that failed against a Tuesday balance often clears on a Wednesday, and the customer never needs to hear about it at all. Day three is the first time they do.

The gate decides whether to retry at all

Before any reattempt, three independent stop signals are checked, in the order they degrade:

• The issuer’s own advice code — the bank speaking directly.
• Stripe’s hard-decline list, which is the codes Stripe itself will not retry.
• The raw network response code, when neither of the first two came through.

Any one of them stops that failure permanently. This is a branch with a test behind it rather than a setting, because reattempting a card the issuer has refused for good is a card-network rules violation — the kind that gets a merchant’s account flagged.

It writes the customer in your voice

Each rung that speaks carries its own tone, from a friendly first notice through to a final one. The message names the real charge and goes out from your own sender, so it reads as you rather than as a collections service.

You approve every retry, behind a kill window

Nothing leaves on its own. An approved retry and its message are staged rather than sent, so there is a window in which undo cancels them outright. A killed retry was never attempted — rather than attempted and then reversed.

It stops before the network does

There is a hard cap on attempts per customer, set well inside the card networks’ own ceiling of fifteen reattempts in thirty days. Past the cap nothing is retried, and there is no flag anywhere that gets past the gate.

Want to see it on real charges? See the live demo →

This page is https://cardchase.thecompound.tech/how-it-works, word for word, captured 2026-09-13.