Closed-loop revenue recovery for Stripe
Your dunning tool sends emails. Celvo reads the replies.
Every recovery tool on the market is open-loop — they send emails into a void and hope. Celvo is the first closed-loop system: smart retries, branded dunning, and AI that reads every reply and acts on it.
$2,400.00
Pro Plan · Annual subscription
Decline reason
INSUFFICIENT_FUNDS
Soft decline · Retry eligible
Smart retry #1
+4 hours · Card declined
Dunning email sent
Day 0 · Payment reminder
Reply classified: AP forwarding
“Send to ap@acmecorp.com”
Payment recovered
AP paid via forwarded link
Built for B2B SaaS
Reads email replies
Performance pricing
Smart retries
Recovery analytics
The Problem
Most tools send reminders. Celvo keeps recovery moving.
Most tools send reminders
- Generic “Action Required” subjects that hit spam filters.
- Ignore OOO replies, stopping the recovery process cold.
- Fixed retry schedules that don’t adapt to bank behavior.
Celvo keeps recovery moving
- Human-like email threads that maintain context and trust.
- AI understands specific blockers (OOO, AP requests) and adapts.
- Strategic retries based on historical success data.
How It Works
Four steps. Zero manual work.
From the moment a payment fails, Celvo orchestrates a personalized recovery journey.
Detect
Instantly identifies failed Stripe transactions in real-time, pulling in decline codes and error messages.
Retry
Executes smart retries when the issuing bank is most likely to approve based on global success patterns.
Understand
AI reads incoming replies to classify intent — like OOO, AP requests, or billing disputes — and identifies blockers.
Route & Recover
Automatically routes tasks to the right person or re-attempts payment once the human blocker is resolved.
“Every failed payment is a conversation your business isn’t having.”
Capabilities
Everything you need to recover revenue
Smart retries
Stop guessing. We retry cards when they are most likely to succeed based on decline code classification.
Branded emails
All emails come from your domain, preserving your brand equity and ensuring high deliverability.
AI replies
Our AI understands the difference between “I’ll pay Friday” and “This is a mistake.”
AP Forwarding
Automatically identifies finance contacts and forwards invoices to get them cleared faster.
OOO Detection
We pause dunning flows when a customer is away, picking back up the day they return.
Flexible Scheduling
Allow customers to schedule their own payment date when they’re facing temporary cash flow issues.
Card Update Links
A friction-free portal for customers to update billing info without logging into your app.
Executive Dashboard
Track every recovered dollar and see exactly which tactics are winning back your revenue.
Reply Intelligence
Intelligence that understands intent
Stop treating every failure like a technical error. Celvo reads and reacts to the human context of payment issues.
Proof Points
Real recovery scenarios
Insufficient Funds
Instead of a harsh “Card Declined” email, Celvo waits 3 days for common payroll cycles before retrying and sending a gentle check-in.
The Vacation Gap
Customer is on a 2-week safari. Traditional tools cancel the sub after 3 failed tries. Celvo sees the OOO and waits for their return.
Large Org Bureaucracy
The user isn’t the buyer. AI identifies “Send to my boss” and automatically routes the payment link to the authorized payer.
Comparison
Celvo vs The Rest
Scroll to compare →
| Feature | Manual / Basic Tools | Celvo |
|---|---|---|
| Retry Logic | Basic fixed-interval retries | Decline-aware retries (HARD/SOFT/ACTION classification, 4h→24h→72h) |
| Dunning Emails | Generic templates, manual sends | 4-step branded sequence (Day 0, +3, +7, +14), auto-escalating tone |
| Reply Handling | Replies go to a black hole | AI reads every reply — classifies 8 intents, routes actions automatically |
| AP Department Routing | Manual forwarding | Auto-detects AP forwarding requests, sends payment link, follows up in 72h |
| OOO Detection | Ignored or missed | Extracts return date, pauses sequence, auto-resumes after return |
| Promise-to-Pay Tracking | Spreadsheet or forgot | Logs promised date, pauses dunning, resumes immediately if broken |
| Expiring Card Alerts | None | 30-day proactive scan, pre-dunning emails before cards expire |
| SMS Recovery (coming soon) | Not available | SMS fallback alongside email (coming soon) |
| Setup Time | Days to weeks | 90 seconds via Stripe Connect |
Pricing
Risk-free pricing
No monthly subscription. We only win when you win back your revenue.
Of recovered revenue during your first 30 days.
Flat fee on successfully recovered payments after trial.
30-day trial at 10% of recovered revenue. Then 13.5%. No monthly fees. You only pay when we recover.
FAQ
Frequently Asked Questions
Stripe sends basic reminders. Celvo handles the failures that require human-level context — like “send this to my finance team” or “I’m on vacation” — that traditional tools ignore, leading to unnecessary churn. Recovery rates vary by business, decline type, and customer segment. Celvo uses smart retries, dunning emails, and AI reply handling to maximize recovery across soft declines, hard declines, and authentication failures.
The opposite. By recognizing out-of-office replies and routing to correct billing contacts, Celvo provides a premium service experience rather than spamming a user who can’t solve the problem.
Celvo is purpose-built for Stripe. Deep Stripe integration lets us do things generic tools can’t — like reading decline codes, classifying retry strategies per code, and scanning for expiring cards across your entire customer base.
About 90 seconds. Connect your Stripe account via OAuth, and Celvo starts working immediately — scanning your last 90 days of failures and setting up automated recovery.
Yes. You can exclude specific high-value accounts, set custom “grace periods” for certain plans, or define exactly how the AI should handle different intent types.
Your Stripe credentials are handled via Stripe Connect OAuth — Celvo never sees or stores your API keys. All data is encrypted in transit and at rest.
Let Celvo handle failed payments
before they become lost revenue
Connect your Stripe account in 90 seconds. Start recovering revenue today.