Stop Losing Revenue
You’ve Already Earned.

Traditional dunning relies on fixed schedules and email reminders. Sticky.io Recovery analyzes decline reasons, issuer behavior, gateway performance, and customer history in real time, deciding the exact moment and path most likely to succeed. It works with any ecommerce platform, payment stack, or subscription system, and you only pay a share of what we recover.

There are no upfront fees, no licenses, and no minimums. You pay a small share of the revenue Sticky.io recovers for you, nothing more. If we don’t recover it, you don’t pay.

No contracts, no minimums. You can cancel Sticky.io Recovery anytime. Because we only earn on the revenue we recover for you, our incentives are aligned with yours from day one.

We recommend Recovery makes the first attempt, not the last. Card networks cap reattempts per transaction, so every retry your own system burns before the handoff spends budget the engine could have used at a smarter moment, and repeated blind attempts teach issuers to keep declining. Merchants who route declines to Recovery from the first failure see materially higher recovery than those who hand over transactions after exhausting their own schedules.

We can run a salvage pass on aged declines, and it usually finds money, but set expectations accordingly: cards expire, numbers get reissued, and customers move on, so recovery rates on old inventory are structurally lower than on fresh declines, and the recoveries that do land are likelier to be disputed by buyers who stopped expecting the charge, with every one of those disputes feeding your VAMP ratio. The right setup is both: a one-time salvage pass on the backlog, and first-decline routing going forward so new failures never age into a backlog.

Integration is two API endpoints: the Smart Dunning API returns the best retry path and timing for each failed transaction, and the Complete Session API reports final outcomes back so the model keeps learning from your traffic. Webhooks fire at every stage of the lifecycle (recovery started, each failed attempt, payment recovered, payment not recovered, plus refund events), so your own systems always know the dunning state of every transaction. There’s no CRM migration and no checkout rebuild; your billing platform keeps doing the billing while Recovery manages the failed-payment path. Our team scopes the exact engineering lift for your stack as part of the free assessment.

Yes. Recovery orchestrates retries across the gateways and MIDs you already have, under your existing processor relationships and contracts. Multi-PSP setups are supported, and retry guardrails prevent the redundant attempts that inflate processor fees. If you want additional rails, we can add them from the set of gateways Sticky.io already supports.

Sticky.io is built to be customer-sensitive: it evaluates issuer rules, decline reasons, and customer behavior to pick retry windows that maximize approvals without creating friction. Recovery guardrails (dynamic suppression after success, configurable retry ceilings, and blacklist logic) prevent over-retrying and chargeback risk.

Sticky.io maintains PCI DSS Level 1 compliance, the highest standard for payment security. Every transaction, retry, and recovery event runs through compliant infrastructure designed to protect sensitive customer data end-to-end.

Recovering a failed payment doesn’t just save a single charge, it keeps the whole subscription alive. On average, the remaining lifetime value of a rescued customer is about 3.5× the failed transaction itself, so every recovery compounds into long-term CLTV gains.

Virtually none. After a quick setup, Sticky.io autonomously decides retry timing, routing, and recovery path for every transaction. Your team gets full visibility through dashboards and reports, but the system does the work.