Failed payments are silent churn. Win them back where customers actually look.
ChimePay turns every failed Stripe subscription payment into a friendly WhatsApp or SMS with a one-tap way to fix it — automatically, and only until they pay.
- No card required
- Read-only audit
- Pay only on recovery
Leakage calculator
How much are failed payments costing you?
Move the sliders. Every assumption is on screen.
Lost = MRR × churn rate. Recoverable = lost × 25–45% (our conservative planning range, midpoint 35%). The free audit replaces these assumptions with your real Stripe numbers.
You are currently losing $2,500/mo to failed payments.
ChimePay can win back about
$875/mo
range $625 – $1,125 · $10,500/yr
Read-only access, revoked right after the audit. No card required.
How it works
From failed charge to recovered cash in three steps
- Minute 0
01Audit your leakage
Connect Stripe read-only. In seconds you see what failed payments cost you over the last 90 days.
- Day 0 · 3 · 7
02Nudge them where they read
A 3-step WhatsApp/SMS sequence starts the moment a payment fails, routed by country and stopped the second they pay.
- One tap
03Recover in one tap
Customers land on a hosted page — no login — update their card or use Apple/Google Pay, and we retry the invoice instantly.
Smart routing
The channel your customer actually reads
Email dunning lands next to newsletters. ChimePay picks the channel by country and falls back automatically when a number isn't reachable.
US · CA
SMS first
then WhatsApp if unreachable
EU · LATAM · APAC
WhatsApp first
then SMS if unreachable
Built to be trusted
Recovery your customers won't mind receiving
Consent-first
Messages stay off until you confirm your customers opted in. STOP is honoured instantly across every channel.
Zero-login, single-invoice links
Every link is signed, expires, and can only pay one invoice. Nothing about your customer is exposed on the page.
Honest numbers
We only count money we influenced. Payments Stripe's own retries caught anyway are reported separately — and never billed.
Quiet hours
Reminders wait for the customer's local daytime. Nobody gets a payment nudge at 2 a.m.
Speaks their language
English, French, Spanish and Portuguese — on the message and on the payment page — picked from the billing country.
Meta-approved WhatsApp
Business-initiated WhatsApp uses pre-approved Utility templates, so messages are delivered, not blocked.
You only pay when we recover money
10%
of the payments recovered through ChimePay
- Free until your first recovered payment
- No setup fee, no monthly minimum
- Payments Stripe recovers on its own are never billed
FAQ
Questions founders ask
Does ChimePay replace Stripe's Smart Retries?+
No — it works alongside them. Stripe keeps retrying; ChimePay reaches the customer so the next retry (or their card update) succeeds. Anything Stripe recovers on its own is shown separately and never billed.
What access do you need to my Stripe account?+
The free audit is read-only and revoked right after it runs. To recover payments, ChimePay needs read-write access so it can retry an invoice once your customer updates their card.
Is it compliant to text my customers?+
Messages stay off until you attest your customers agreed to payment notices. Opt-out keywords are honoured instantly, US/CA SMS include opt-out instructions, and sends respect quiet hours.
What does it cost?+
10% of the payments ChimePay recovers — nothing else. Free until your first recovered payment.