PaymentSaver

Overview

PaymentSaver is an AI-powered failed payment recovery agent designed for SaaS operators and subscription businesses losing revenue to involuntary churn. It automatically detects failed Stripe payments, generates personalized recovery emails via Gmail, and escalates to SMS reminders via Twilio if invoices remain unpaid after 48 hours. By catching silent payment failures before customers realize there's a problem, this agent helps recover up to 9% of monthly recurring revenue (MRR) that would otherwise be lost.

How It Works

1. List Failed Invoices (Stripe) — Polls Stripe every 6 hours or triggers on payment failure webhooks to identify invoices with status 'open' and past_due=true from the last 24 hours.
2. Retrieve Customer Details (Stripe) — Looks up the customer's name, email address, and account information linked to each failed invoice.
3. Get Subscription Context (Stripe) — Fetches the subscription plan name, billing cycle, and current status to understand the customer's service tier.
4. Check Saved Payment Method (Stripe) — Verifies whether the customer has an active payment method on file or if their card has expired, informing the recovery message tone.
5. Generate Personalized Recovery Email (Claude) — Uses Claude Sonnet 4.6 to compose a warm, non-threatening recovery email that acknowledges the issue, explains how to update the payment method, and includes a direct link to the Stripe customer portal.
6. Create Gmail Draft — Saves the generated email as a Gmail draft for quick human review and approval (30-second safety check).
7. Send SMS Follow-Up (Twilio) — If the invoice remains unpaid after 48 hours, automatically sends a friendly SMS reminder with a payment update link to the customer's phone.
8. Notify Revenue Team (Slack) — Posts a summary to #revenue with failed payment details, amount at risk, and recovery email status for team visibility and manual escalation if needed.

Key Features

• Automated Payment Failure Detection — Catches failed payments instantly via Stripe webhooks or scheduled polling, preventing revenue leakage before customers churn.
• AI-Personalized Recovery Messaging — Claude-generated emails are warm and contextual, referencing the customer's specific plan and billing details to maximize reply rates.
• Multi-Channel Follow-Up — Combines email + SMS for higher recovery rates; SMS reminder triggers only if email doesn't resolve the issue within 48 hours.
• Human-in-the-Loop Safety — Recovery emails sit in Gmail drafts for 30-second review before sending, ensuring brand voice and compliance.
• Revenue Team Transparency — Real-time Slack alerts keep finance and support teams informed of at-risk revenue and recovery efforts.

Use Cases

• SaaS Companies with High Card Decline Rates — Recover involuntary churn from expired cards, failed charges, or temporary payment processing issues before customers notice service disruption.
• Subscription Businesses with Multi-Product Offerings — Personalize recovery messages by subscription tier and billing frequency, increasing relevance and recovery success.
• Global Teams Needing Compliance — Automatically log recovery attempts in Slack and email drafts, creating an audit trail of payment recovery actions for finance reconciliation.
• Growth-Stage Startups Optimizing Retention — Recover 5–15% of failed payments with minimal manual intervention, turning a silent churn vector into a revenue-saving automation.