Pre-dunning

Pre-dunning catches expiring cards before they fail. Instead of waiting for a decline, RecoverIQ emails the customer ahead of time and gives them a direct link to update their payment method.

How the flow works

Stripe reports each saved card's expiry month and year. RecoverIQ runs a daily job that finds cards set to expire soon and schedules a three-email sequence.

30 days before expiry

“Heads up — your card on file is expiring soon”

Low-urgency reminder. Most people update their card here and never see the later emails.

14 days before expiry

“Your card expires in 2 weeks”

Medium urgency. Repeats the update link, adds a clearer deadline.

7 days before expiry

“Last reminder — update your card before it expires”

Final nudge. After this, if they still haven't updated, the card fails as normal and we pick it up with the regular dunning flow.

Included on which plans

Pre-dunning is available on Growth and Scale plans. Starter plans do not include it.

See billing & plans for the full feature matrix.

Turning it off

Pre-dunning is enabled by default on Growth and Scale. If you'd rather not send these emails — for example, if your customer base hears from you often and you don't want another touch — you can disable it:

  1. Go to Dashboard → Settings.
  2. Find Pre-dunning emails in the sender settings.
  3. Toggle off. Any already-scheduled pre-dunning emails are canceled.

Per-customer opt-out is not currently implemented. If a specific customer needs to be excluded, contact support and we'll suppress them manually.

What the customer sees

Each email contains:

  • Which card is expiring (brand and last four).
  • When it will expire.
  • A direct {{update_url}} link to Stripe's hosted card-update page — no login required on their end.
  • An {{unsubscribe_url}} footer link.

The body of each email is fully customizable at Dashboard → Templates under thepre_dunning template type. See email templates for variable syntax and the 3-tier fallback.

Pre-dunning vs. dunning

Quick reference:

  • Pre-dunning — proactive. Runs before any failure. Triggered by card expiry data.
  • Dunning — reactive. Runs after a payment fails. Triggered by Stripe webhook events.

Still have questions?

Get in touch with support — we reply within 4 hours.

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