Frequently asked questions
Quick answers to the questions we see most often. For anything else, email support@recoveriqapp.com.
Install & setup
How does RecoverIQ connect to my Stripe account?
Via Stripe's official OAuth 2.0 flow. You authorize RecoverIQ to read failed invoices and retry payments; we store a scoped token, never your Stripe API key. You can revoke access at any time from Stripe's connected apps page.
How long does setup take?
Under a minute. Click Install in Stripe, approve the scopes, and you're on your dashboard. No code changes, no engineering time.
Does RecoverIQ work with Stripe Billing, Checkout, and Invoicing?
Yes, all three. Anywhere Stripe emits a invoice.payment_failed or payment_intent.payment_failed event, RecoverIQ works.
Do I need to change anything in my product?
No. Stripe fires the webhook events; we handle the rest. Your checkout, pricing page, and customer portal don't need any code changes.
How it works
What's the typical recovery rate?
Most merchants see 50–70% of failed payments recovered. Your actual rate depends on your customer base, decline-category mix, and how dialed-in your email copy is.
How does smart retry timing work?
Retry timing is decline-code specific. See the full schedule on the retry strategies page.
Will RecoverIQ conflict with Stripe's Smart Retries?
No. RecoverIQ detects Stripe's native retry attempts and steps out of the way. We only retry ourselves when Stripe isn't about to. You can run both safely.
What emails does RecoverIQ send?
Two kinds: dunning (after a failure) and pre-dunning (before a card expires). Both are customizable. See email templates.
Billing
What plans are available?
Starter ($69/mo, up to $20K MRR), Growth ($99/mo, up to $250K MRR), and Scale ($149/mo, up to $1M MRR). All include a 14-day free trial. See billing & plans for the details.
Is there a free trial?
14 days, full feature access, no card required until you pick a plan at the end of the trial.
What happens if I exceed my MRR limit?
RecoverIQ keeps working your existing active cases but stops opening new ones until MRR is back under the limit or you upgrade. No overage fees.
Can I cancel anytime?
Yes. Cancel from the billing page. Your subscription stays active until the end of the current period. No refunds for partial months, no cancellation fees.
Do you offer annual billing?
Not yet. We're rolling out annual pricing in a follow-up. If you want it sooner, email support.
Data privacy
Does RecoverIQ store full card numbers?
No. Stripe holds all card data. RecoverIQ only sees the last four digits (for display in emails and the dashboard) and card brand, both returned by Stripe's API.
What data does RecoverIQ store?
Merchant account info (your email, company name), Stripe account ID, OAuth token, failed-payment metadata (amount, decline code, customer email, card last-four), retry history, and email send logs. No card numbers, no addresses unless you supply them in a template variable.
Where is the data stored?
In Supabase (Postgres) hosted on AWS us-east-1. Data is encrypted at rest and in transit.
How do I delete my data?
Cancel your subscription and email support with a delete request. We remove all merchant data within 30 days. Data is purged from backups within 90 days.
GDPR & compliance
Is RecoverIQ GDPR-compliant?
We act as a data processor on your behalf. We support access, correction, and deletion requests for your customers' data. Email support for a DPA template.
Do you offer a Data Processing Agreement (DPA)?
Yes, on request. Email support and we'll send you our DPA template.
Do you transfer data outside the US?
No. All data is stored in us-east-1. Resend (our email provider) and Anthropic (AI personalization) both operate in the US.
AI personalization
What does "AI personalization" actually do?
On Growth and Scale plans, we use Anthropic's Claude to subtly adjust email tone based on the decline category and sequence position. It's a rewrite of your template's phrasing, not a new email.
What data is sent to Anthropic?
The decline category, the email's position in the sequence, the customer's first name, the plan name, and the amount due. No card details, no addresses, no full contact info.
Can I disable AI personalization?
Today, only by downgrading to Starter (which doesn't include the feature). Per-template toggles are on the roadmap.
What if the AI call fails?
We fall back to the unmodified template. Emails never block on AI availability.
Still have questions?
Get in touch with support — we reply within 4 hours.
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