Stop losing recurring ARR to silent payment failures.
Passive dunning emails fail. Reclaim is an autonomous AI agent that intercepts failed Razorpay and Stripe invoices, diagnoses root causes, and executes bounded retries, dynamic links, and WhatsApp reminders within strict guardrails.
Live Autonomous Interception
Ref #RZP-ACME-10291Average Recovery Rate
Retained ARR per 100 Cases
Guardrail Policy Compliant
Real-time Decision Latency
See the Reclaim AI Agent in Action
Select a real-world B2B payment failure scenario and let Reclaim calculate the optimal recovery path, enforce guardrails, and clear the transaction live.
Acme Corporation
Root Cause: Insufficient funds · Invoice: ₹45,000
Engineered for Modern SaaS & Fintech Revenue Ops
Everything your finance, billing, and customer success teams need to eliminate involuntary churn without spamming customers.
AI Root Cause Diagnostic Engine
Translates cryptic gateway decline codes (insufficient funds, 3DS authentication drop, bank network timeouts, card expiration) into actionable recovery pathways.
Deterministic Guardrails & Policy Bounds
The AI never goes rogue. Hardcoded business boundaries enforce quiet hours (e.g. 9 PM – 9 AM), maximum retry limits, contact caps, and mandatory human escalation for high-value contracts.
Smart Gateway Retries & Liquidity Timing
Instead of blind random retries that trigger fraud flags, Reclaim orchestrates retries around customer payroll cycles, bank clearing windows, and optimal UPI availability.
Omnichannel WhatsApp & Dynamic Links
Dispatches personalized WhatsApp messages with pre-authenticated, single-click Razorpay payment links so customers can settle invoices in seconds from their phones.
Automated Ledger Reconciliation
Listens continuously to payment gateway webhooks. The moment an invoice is cleared, Reclaim immediately updates ledger metrics and terminates all outbound recovery sequences.
Transparent Decision Audit Log
Every autonomous action is logged with explainable rationale items, model confidence scores, exact timestamps, and verified financial outcomes for complete team visibility.
How Reclaim Operates End-to-End
A 4-stage closed-loop recovery framework engineered to act reliably without human babysitting.
Real-Time Webhook Interception
Reclaim connects to Razorpay and Stripe via secure webhooks. Every failed recurring payment event is intercepted within milliseconds alongside customer historical LTV.
Root Cause & Recovery Scoring
Our AI diagnostic model evaluates failure codes, customer credit behavior, and optimal liquidity timings to compute an explainable recovery confidence score.
Strict Business Safety Checks
Before taking any action, Reclaim verifies that retry caps, quiet hour rules, communication limits, and enterprise contract thresholds are strictly satisfied.
Closed-Loop Revenue Retention
The agent executes the optimal bounded intervention (smart gateway retry, 1-click WhatsApp link, or human escalation) and automatically stops once funds clear.
Why We Built the First Autonomous Revenue Recovery Agent
Involuntary churn is the single largest preventable leak in modern recurring revenue. We built Reclaim to solve it intelligently.
Passive dunning emails recover less than 15% of failed B2B subscriptions.
When a payment fails in SaaS or fintech, conventional billing tools trigger generic, robotic emails. In reality, modern executives and finance managers rarely open dunning emails, and bank security algorithms block repeated blind retries.
An intelligent agent that acts like your best RevOps engineer.
Reclaim intercepts declines at the gateway level. It distinguishes between a transient bank network timeout, an expired corporate card, and a temporary payroll liquidity gap—selecting the exact optimal recovery channel with zero manual overhead.
Precision Over Spam
We never blast automated emails blindly. Every action is calculated against customer lifetime value, historical settlement rates, and strict communication caps.
Enterprise Safety First
High-value enterprise accounts (e.g. > ₹50,000) automatically require human supervisor approval before outreach, ensuring critical business relationships are respected.
Plug-and-Play Gateway Adapter
Drop in your Razorpay or Stripe webhook keys. Reclaim operates seamlessly in parallel with your existing billing logic without touching core application code.
Measurable ROI from Day One
Compare traditional passive dunning against Reclaim's autonomous recovery engine.
| Capability | Traditional Dunning | Reclaim Agentic Engine |
|---|---|---|
| Recovery Strategy | Static dunning emails on Day 1, 3, 7 | AI diagnosed root cause + optimal liquidity timing |
| Channel Reach | Email only (high spam folder drop) | Smart Gateway Retry + 1-Click WhatsApp Link + Email |
| Safety & Guardrails | None (blind retries get cards blocked) | Strict quiet hours, max 3 retries, human escalations |
| Average Recovery Rate | 12% – 18% recovered | 55% – 65% recovered (60.6% verified in sandbox) |
| Ledger Reconciliation | Manual checks or delayed batch jobs | Real-time webhook listener; stops sequence upon clearance |
Frequently Asked Questions
Everything you need to know about autonomous revenue recovery.