[JakeVacovec]

The biggest difference is that we own the retries and communications e2e (transactional email/sms from your domain and dedicated #). This enables us to be far more configurable for each Merchant in terms of recovery period while ensuring that sufficient retry and communications are occurring prior to cancelling a subscription. Stunning is typically used alongside Stripe's retries to send customer emails, which means the two are disjointed. This often leads to too many communications or too few. By treating each customer and their payments individually we're taking a highly tailored approach that's fully automated.

Stripe also caps retries at 8 attempts and while you don't want to over-attempt there are many payments left on the table that require more. It's the card networks (visa, mastercard, etc.) that set retry rules. Unless you're on an IC+ model Stripe is absorbing the declined authorization fees so there's a partial conflict of interest here.

Each business is different in terms of average transaction size, failure rate and recovery rate. Our primary value prop is increasing recovery rate but for others is our automation that's even more valuable to scale operations efficiently and move manual outreach efforts to other areas of the business.