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Side-by-side comparison
Stripe Smart Retries charges 0.4% on every recovered payment. On EUR 1M recovered, that's EUR 4,000 going to Stripe instead of you. PaymentRescue: flat plan, more features, your money stays yours.
| Feature | PaymentRescue | Stripe Smart Retries |
|---|---|---|
| Recovery fee | 0% — flat plan | 0.4% of recovered amount |
| Time-zone aware retry | Yes — customer local business hours | No — global UTC schedule |
| Payday detection | Yes — 1st / 15th / last business day | No |
| Custom email templates | No — one fixed sequence | Stripe default copy |
| Pre-dunning predictor | Yes — flag risk 30 days before failure | No |
| Failure-reason routing | Built, not yet wired in | No |
| Retry-timing API | Yes — returns the suggested time, and retries at it when you enable retries | Internal Stripe only |
| Self-hosted option | No | No |
| Multi-processor | Stripe | Stripe only |