*The problem:* When a customer's primary card fails, Stripe retries a few times then cancels the subscription. If that customer has a backup card, it isn’t tried. At least 20% of active customers have more than one card on file, which means a lot of preventable churn.

*Our solution:* FlyCode automatically identifies if a customer has other valid cards on file and retries them when a subscription payment fails. You can configure when these retries happen during the dunning period (beginning, middle, end) and define validity rules (e.g. “card was used in last 180 days”). It’s a Stripe app — no code changes needed.

We've seen 18%-20% higher recovery rates from our core retry engine, plus another 5–10% from using backup cards. Importantly, there was no increase in refunds or chargebacks — in fact, rates were lower than merchant averages. Big companies like Microsoft and Amazon already do this internally; we wanted to make the same capability accessible to smaller SaaS teams.

*Under the hood:* FlyCode monitors for failed invoices, checks for available backup methods via Stripe’s PaymentMethod API, and systematically retries in a way that avoids service disruption or manual workflows.

We’re Jake, Etai, and Tzachi — we previously built payment recovery systems at startups and enterprises, which is how we discovered this gap.

You can try it here: [https://www.flycode.com/stripe]

We’d love feedback from anyone dealing with subscription payment failures. What’s been your experience with involuntary churn? Have you considered leveraging backup payment methods?