Polar and Creem handle your taxes and payouts. Neither one chases down a failed charge for you. Recoup watches your subscriptions and wins that revenue back automatically.
About 3–5% of subscription charges fail every billing cycle — expired cards, insufficient funds, banks blocking the retry. On Stripe, a dozen tools handle this for you. On Polar and Creem, it's still on you to notice and follow up.
Most founders find out weeks later, buried in a dashboard, after the customer has already churned quietly.
Link your Polar.sh or Creem account. Read-only access to subscription and payment events — no dashboard migration.
The moment a payment fails, Recoup classifies why — expired card, insufficient funds, bank decline — and starts the right sequence.
A plain, friendly email with a one-click link to update their card. No login, no support ticket, no awkward manual follow-up from you.
No. Recoup sits alongside them. Polar/Creem still process the payment and handle tax — Recoup just makes sure failed charges get a second (and third) chance.
Recoup only reads subscription status and payment events — never full card numbers. Card updates happen on Polar/Creem's own secure checkout, not ours.
Both platforms are young and focused on core billing and payouts first. Advanced dunning is a deep, specific problem — that's the gap Recoup exists to fill.
We're validating demand before writing production code. If enough founders join the list, early access opens within 30 days.