How KobKob recovers
your failed payments

A 5-minute setup. Then AI handles the rest.

The Process

7 steps to recovered revenue

1

Connect Stripe

2 minutes

Click the "Connect with Stripe" button and authorize KobKob through Stripe's secure OAuth flow. We request read-only access to:

  • โ€ขCustomer data (names, emails, metadata)
  • โ€ขSubscription information (plans, status, billing dates)
  • โ€ขInvoice and payment history (to personalize messages)
  • โ€ขPayment failure events (to trigger recovery)

We never see or store full card numbers. We can't make charges on your behalf. Your Stripe data stays in Stripe. Once connected, KobKob automatically syncs your existing customers and starts monitoring for failed payments.

S
Connect to Stripe
Secure OAuth 2.0
โœ“Read customer data
โœ“Read subscriptions
โœ“Read invoices
โœ“Receive webhooks
๐Ÿ”’No card data stored
2

Configure your preferences

3 minutes

Tell KobKob how to sound and behave:

  • โ€ขBrand voice: Casual, professional, or somewhere in between
  • โ€ขCompany name: How you refer to your product
  • โ€ขSender name: Who emails come from (e.g., "Sarah from AppName")
  • โ€ขTiming preferences: When to send messages (business hours, etc.)
  • โ€ขChannel preferences: Email only, SMS only, or both
  • โ€ขEscalation rules: When to alert your team vs. handle automatically

You can also set custom phrases to include or avoid in messages. Default settings work great for most SaaS companies. Customize as much or as little as you want.

โš™๏ธBrand Settings
Casual
Balanced
Professional
Sarah from YourApp
โœ“Email
โœ“SMS
3

KobKob monitors 24/7

Automatic

Once connected, KobKob watches your Stripe account in real-time. When a payment fails, we immediately:

  • โ€ขCapture the decline code (there are 50+ different ones)
  • โ€ขRead Stripe's advice code (should we retry? when?)
  • โ€ขPull customer context (tenure, plan, usage, history)
  • โ€ขCheck for patterns (have they failed before? when did they pay?)

All of this happens in seconds. By the time the customer's card is declined, KobKob already knows why and what to do.

Live Monitoring
24/7
sarah.k@email.com
expired_card
2s ago
john.d@email.com
insufficient_funds
1m ago
mike.r@email.com
do_not_honor
5m ago
4

AI decides the best action

Instant

Not all failed payments are the same. KobKob treats each one individually:

INSUFFICIENT FUNDS
โ†’ Wait 3-5 days (aligned with paydays), then retry
Only email if retry fails. Friendly tone, offer to retry later.
EXPIRED CARD
โ†’ Email immediately with update link
Clear, direct ask. Follow up with SMS if no action in 48 hours.
CARD DECLINED (generic)
โ†’ Check Stripe's advice code
If "try again later" โ†’ schedule silent retry. If "do not retry" โ†’ email customer for new card.
DO NOT HONOR
โ†’ Bank blocked the transaction
Email customer suggesting they try a different card. No retry (it won't work).
HIGH RISK (Stripe Radar)
โ†’ Don't email (might be fraud)
Flag for manual review. No automatic retry.

The AI also considers: How long have they been a customer? What's their lifetime value? Have they had payment issues before?

๐Ÿง AI Decision Engine
Decline Codeexpired_card
Customer Tenure8 months
LTV$792
โ†’Send personalized email now
5

Personalized outreach

If needed

When KobKob decides to contact the customer, it generates a unique message based on everything it knows:

  • โ€ขTheir name and how long they've been a customer
  • โ€ขTheir plan and how they use your product
  • โ€ขThe specific reason their payment failed
  • โ€ขWhether they've had issues before
  • โ€ขYour brand voice and tone settings

The result is an email (or SMS) that sounds like you wrote it โ€” because the AI is trained on your context, not generic templates. Customers respond to personal messages. They ignore templates. That's the difference between 15% and 60% recovery rates.

โœ‰๏ธGenerated Message

Hey Sarah,

Quick heads up โ€” the card ending in 4242 on your account expired. We tried to charge it for your Pro plan ($99/mo) but it didn't go through.

You can update your card here: update link

PersonalizedYour brand voice
6

Smart retry timing

Automatic

Many failed payments can be recovered with a simple retry โ€” if you retry at the right time. KobKob uses Stripe's advice codes and patterns to schedule retries:

  • โ€ข"try_again_later" โ†’ retry after payday or weekend
  • โ€ข"insufficient_funds" โ†’ wait 3-5 days
  • โ€ข"card_velocity_exceeded" โ†’ wait 24 hours
  • โ€ข"do_not_retry" โ†’ skip retry, contact customer instead

We also learn patterns: Does your customer base get paid on the 1st? The 15th? We'll adjust retry timing accordingly. The goal: recover the payment before the customer even knows there was a problem.

โฐRetry Schedule
Mon
Fail detected
Thu
Smart retry
Fri
Backup retry
๐Ÿ’กAligned with typical payday
7

Recovery complete

Results

When a payment is recovered โ€” whether from a retry, card update, or customer action โ€” KobKob logs everything:

  • โ€ขWhat worked (email, SMS, retry, or combination)
  • โ€ขHow long it took
  • โ€ขCustomer's response path

This data helps the AI get smarter over time. It also shows you exactly what's happening with your revenue in the dashboard. On average, recovered customers stay for 7+ more months. A single $99/month recovery is worth $700+ in future revenue.

๐ŸŽ‰Recovery Success
$99
Recovered from Sarah K.
MethodEmail (1st attempt)
Time to recover2 hours
Projected LTV+$693
5 min
Average setup time
67%
Average recovery rate
7+ mo
Average retained customer lifetime

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