Your Stripe baseline, plus AI recovery calls
Stripe recovers 57%. Quitlo calls about the rest.
Stripe Smart Retries use ML trained on billions of transactions to automatically re-attempt failed payments at optimal times. Included free with Stripe Billing. The default baseline every Stripe user starts with.
Feature comparison
Feature
Stripe Smart Retries
Quitlo
ML-optimized payment retries
AI phone calls
Email notifications
SMS notifications
Email sequencing (multi-step)
Email segmentation
Failure-reason-aware messaging
Payment update link (during call)
Card Account Updater
Structured Slack reports
Custom retry attempts
Voicemail detection
On Stripe Marketplace
Starting price
Included with Stripe Billing (0.5% of recurring)
$0 upfront / $349/mo
What Stripe Smart Retries does well
- Free with Stripe Billing. No additional cost.
- ML trained on billions of transactions across the Stripe network
- Card Account Updater automatically refreshes expired card details
- Zero setup required. Works out of the box.
- Stripe claims ~57% recovery across all revenue recovery tools
Where Quitlo differs
- Calls customers when Stripe's retries and emails have failed
- Failure-reason-aware conversations (not generic 'your payment failed' emails)
- Payment update link delivered during the call
- Structured recovery report in Slack with reason, sentiment, and outcome
- Designed to layer on top of Stripe, not replace it
Who should use what
Choose Stripe Smart Retries if you
- Your recovery needs are met by Stripe's built-in retries and emails
- You want zero additional cost and zero setup
- Most of your failures are soft declines that resolve with retries
Choose Quitlo if you
- Stripe's 57% recovery leaves meaningful revenue unrecovered
- Expired cards and hard declines are a significant portion of your failures
- You want someone (AI) to actually call the customer and help them update
- You need structured recovery data beyond Stripe's basic reports
- You want a recovery layer that works with Stripe, not against it
The Quitlo Difference
Stripe retries payments silently. Quitlo calls customers when retries fail. One optimizes the backend. The other talks to the human. Quitlo is on the Stripe Marketplace, designed to layer on top.
Frequently asked questions
No. Quitlo layers on top of Stripe. Stripe handles automatic retries and card updates. Quitlo calls the customers Stripe could not recover. They work together.
Stripe claims ~57% recovery across all tools combined. That means 43% of failed payments are not recovered. For a $100K MRR business, that could be $4,000-8,000/month in lost revenue.
Yes. Quitlo is a Stripe Marketplace app. You connect your Stripe account in under a minute and the AI starts calling when payments fail.
Stripe's emails are generic and Stripe-branded (not your company). There is no multi-step sequencing, no segmentation, and no personalization by failure reason. Hard declines and expired cards require the customer to take action, which generic emails often fail to trigger.
Quitlo offers $0 upfront performance pricing (15% of recovered MRR) or $349/mo flat rate. Stripe Billing's 0.5% recurring fee continues separately.
Quitlo receives the Stripe webhook immediately. Calls go out within minutes of the failure, after your configured waiting period (e.g., after day 3/5/7 of email silence).
Related reading
Ready to hear why they really left?
50 surveys + 10 voice conversations. Free. No credit card required.