How much revenue do SaaS companies lose to failed payments?

On average, SaaS companies lose 5-9% of their MRR to failed payments (involuntary churn). Most founders underestimate this by 3x. Reecova's free scanner shows your exact number in 30 seconds.

How does Reecova recover failed payments?

Reecova uses a smart retry engine that analyzes failure codes and optimizes retry timing (e.g., retrying insufficient_funds on payday). It also runs automated dunning email campaigns to prompt customers to update payment methods.

Is the free scanner safe to use?

Yes. The scanner uses Stripe's read-only OAuth, auto-revokes access immediately after scanning, and stores no Stripe account data. Results are cached for 24 hours then deleted.

How much does Reecova cost?

Reecova is $49.99/month plus 10% of recovered revenue. There's a 14-day free trial with no credit card required. You only pay the recovery fee on revenue we actually recover for you.

Terms of Service

Effective date: March 9, 2026

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Reecova ("Company," "we," "us," or "our"), governing your access to and use of the Reecova platform, website at reecova.io, APIs, and all related services (collectively, the "Service").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" refers to both you individually and that organization.

2. Description of Service

Reecova provides revenue infrastructure software for SaaS businesses. The Service includes, but is not limited to:

Integration with third-party payment processors (including Stripe) to monitor payment transactions
Detection and analysis of failed payments and revenue leaks
Automated and AI-assisted payment retry and recovery tools
Dunning campaign management for payment recovery communications
Revenue analytics, risk scoring, and reporting dashboards
Alert and notification services for payment events

The Service is designed to assist with payment recovery and revenue optimization. We do not guarantee any specific recovery rates, revenue outcomes, or financial results. Actual results depend on numerous factors outside our control.

3. Account Registration and Security

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorized access to or use of your account
Ensuring that your account information remains accurate and up to date

We reserve the right to suspend or terminate accounts that contain inaccurate information or that we reasonably believe are being used in violation of these Terms.

4. Payment Processor Authorization

By connecting your payment processor account (e.g., Stripe) to the Service, you:

Authorize Reecova to access your payment data, including transaction history, customer information, subscription data, and related financial information, solely for the purpose of providing the Service
Represent that you have the authority to grant such access and that doing so does not violate any agreement you have with the payment processor or any applicable law
Acknowledge that Reecova acts as an authorized third-party application and does not process payments directly on your behalf unless you explicitly enable automated retry or recovery features
Understand that you may revoke access at any time through your payment processor's settings, which will limit the Service's functionality

5. Automated Recovery and Retry Services

If you enable automated payment retry or dunning features:

You authorize Reecova to initiate payment retries on your behalf through your connected payment processor
You acknowledge that automated retries may result in charges to your customers' payment methods
You are solely responsible for ensuring that automated retries comply with your agreements with your customers and applicable laws, including consumer protection regulations
You may disable automated features at any time through the Service dashboard
We are not liable for any failed retry attempts, customer disputes, or chargebacks that may result from the use of automated features

6. Acceptable Use

You agree not to use the Service to:

Violate any applicable law, regulation, or third-party rights
Process or facilitate fraudulent transactions
Attempt to gain unauthorized access to the Service, other accounts, or related systems
Interfere with or disrupt the integrity or performance of the Service
Reverse engineer, decompile, or disassemble any part of the Service
Use the Service to send unsolicited communications in violation of anti-spam laws
Use automated means to access the Service beyond what is provided through our APIs
Resell, sublicense, or redistribute the Service without our prior written consent

7. Intellectual Property

The Service, including all software, algorithms, designs, text, graphics, interfaces, and other content, is owned by Reecova and protected by intellectual property laws. These Terms do not grant you any right, title, or interest in the Service except for the limited right to use it in accordance with these Terms.

You retain all rights to your data. By using the Service, you grant us a limited, non-exclusive license to access, process, and display your data solely as necessary to provide and improve the Service.

8. Data Handling and Security

We take data security seriously. Our data handling practices are described in our Privacy Policy. By using the Service, you acknowledge and agree that:

We will process your data in accordance with our Privacy Policy
We implement commercially reasonable security measures to protect your data
No method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security
You are responsible for maintaining the security of your own systems and credentials

9. Service Availability and Modifications

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. We may:

Modify, update, or discontinue any part of the Service at any time with reasonable notice
Perform scheduled or emergency maintenance that may temporarily affect availability
Change pricing or feature availability with 30 days' prior notice

We will make commercially reasonable efforts to notify you of material changes to the Service that may affect your use.

10. Fees and Payment

Certain features of the Service may require payment of fees. If applicable:

Fees will be clearly communicated before you incur any charges
You agree to pay all fees in accordance with the pricing and payment terms presented to you
Fees are non-refundable except as required by applicable law or as expressly stated in a separate agreement
We reserve the right to modify pricing with 30 days' advance notice

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (D) ANY PAYMENT RECOVERY ATTEMPTS WILL BE SUCCESSFUL; OR (E) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REECOVA, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100).

THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. Indemnification

You agree to indemnify, defend, and hold harmless Reecova and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

Your use of the Service
Your violation of these Terms
Your violation of any applicable law or regulation
Your violation of any third-party rights
Any disputes between you and your customers arising from the use of automated recovery features

14. Termination

You may terminate your account at any time by disconnecting your payment processor and contacting us. We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, including if we reasonably believe you have violated these Terms.

Upon termination: (a) your right to use the Service will immediately cease; (b) we will delete or anonymize your data within 30 days, unless retention is required by law; (c) any provisions of these Terms that by their nature should survive termination shall survive, including Sections 7, 11, 12, 13, and 15.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved within 30 days, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with the arbitration conducted in the State of Delaware.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Service and updating the "Effective date" above. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms.

For material changes that adversely affect your rights, we will provide at least 30 days' notice before the changes take effect.

17. General Provisions

Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Reecova regarding the Service.
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.
Force Majeure: We shall not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control.

18. Contact Information

If you have any questions about these Terms, please contact us at:

Reecova
Email: legal@reecova.io
Website: reecova.io