CardChase vs Gravy
Every tool in this category can retry a failed Stripe charge and send a dunning email. The question a subscription business should ask is narrower: who decides what goes out, and what happens to a card the network has already refused twice?
| WHAT ITS OWN PAGE PUBLISHES | CARDCHASE | GRAVY |
|---|---|---|
| The price on its own pricing page | $9/month flat. | No published price. |
| What the price is per | Per business, whatever your MRR. | N/A. A sales conversation sets it. |
| How you get the number | It is on the page. | A quote request: “Talk with the team today.” |
| What the page says about retrying a hard-declined card | Never. Refused in code, not by a setting. | Not stated on its pricing page. |
| Retry ceiling per customer | 4, inside the 15-reattempt network ceiling. | Not stated on its pricing page. |
What Gravy is
Gravy is a human-assisted recovery service for larger subscription businesses: real people work high-value failed payments alongside the software. It is sold through a conversation, not a signup.
No published price. Its pricing page is a quote request whose call to action is “Talk with the team today.” Read from Gravy Solutions — Pricing Quote on 2026-09-10.
What CardChase is
CardChase is the recovery loop on its own, running against your own Stripe Billing account. It retries a failed charge and writes the customer, both staged for your approval before anything reaches them.
- Nothing is retried and nothing is sent until you approve it, and every approval waits 30 seconds before it can be claimed.
- It stops at 4 retries per customer, well inside the 15-reattempt ceiling the card networks set, and the cap cannot be configured past it.
- It never retries a card the network has hard-declined: a branch with a test, not a default you can switch off.
- $9/month flat. Recovering more does not cost more.
Choose Gravy if
- Your failed payments are large enough that a human working each one pays for itself.
- You want an outsourced team rather than a tool your own people run.
- You are comfortable buying through a sales process and negotiating the commercial terms.
Choose CardChase if
- You want to see the price before you talk to anyone.
- You want the recovery loop to run inside your own workspace, on your own Stripe account.
- Your failed charges are ordinary SaaS subscriptions, where a human touching each one does not pay for itself.
Moving off Gravy
Gravy is bought through a sales conversation and run by its own team rather than yours, so there is no dashboard to export from: leaving means ending that engagement and standing up the recovery loop yourself, which is what CardChase is. Nothing about your Stripe account changes hands, since Gravy's people work inside your existing billing rather than owning a separate system.
Questions
What does Gravy cost? Gravy does not publish a price. Its pricing page is a quote request, and the number comes from a sales conversation. Figures circulating elsewhere are not on Gravy's own site and are not repeated here.
Is human-assisted recovery better? For large, high-value accounts it can be. For a book of ordinary monthly subscriptions the economics rarely work, which is the segment CardChase is built for.
The rest of the shortlist
- CardChase vs Churn Buster
- CardChase vs Stunning
- CardChase vs Baremetrics Recover
- Every one of them in one grid
- Churn Buster, Stunning, Gravy and Baremetrics Recover alternatives
- How the agent actually works
Further reading
- Hard declines: the retries that get a Stripe account flagged
- How many times should you retry a failed subscription charge?
- Involuntary churn is a billing problem wearing a retention problem's clothes
Every Gravy figure on this page is the value carried in this site's claim register, read from Gravy's own page and re-checked on rotation. Last verified 2026-09-10.
This page is https://cardchase.thecompound.tech/vs/gravy, word for word, captured 2026-09-13.