FlyCode vs
Baremetrics
Baremetrics is a subscription analytics tool. Its Recover add-on sends dunning emails, SMS, in-app banners and a card update form around your processor's retries, and has no retry schedule of its own, for $129 a month on top of an analytics plan. FlyCode is a payment recovery engine that replaces the retry logic with per-merchant machine learning and coordinates retries, backup cards and outreach from one decision layer, priced only on the lift.
In partnership with
Quick answer
Baremetrics is subscription analytics for Stripe and other billing systems: MRR, churn, cohorts and forecasting. Recover is its payment recovery add-on, and it is customer messaging only. Baremetrics states that Recover has no retry schedule of its own: your processor retries the card, for example with Stripe Smart Retries, and Recover sends 7 emails by default, SMS, in-app banners that turn into a paywall, and a hosted card update form. There is no ML, no backup card retry, and no published recovery rate. It costs $129 a month on top of a Baremetrics plan. FlyCode is a revenue recovery platform for failed payments and involuntary churn: Recover, Reach, Retain and AI Agents. On the recovery side it replaces the retry engine with per-merchant ML trained on Visa and Mastercard network data, retries backup cards, coordinates emails and SMS with the retries, and charges only on revenue recovered above your baseline. It also includes Trial Recovery, the only product in the industry that recovers the first payment when a free trial converts and the charge fails.
FlyCode vs Baremetrics
| What matters | FlyCode | Baremetrics |
|---|---|---|
| Best for | SaaS, AI and eCommerce subscription businesses that want a measurable lift in recovered revenue and pay only on results | Small SaaS teams that already use Baremetrics for subscription metrics and want dunning emails and a card update form in the same dashboard |
| Scope | Revenue recovery platform for failed payments and involuntary churn: Recover, Reach, Retain and AI Agents | Subscription analytics (MRR, churn, cohorts, forecasting) with Recover and Cancellation Insights sold as add-ons |
| Model | Per-merchant ML trained on your own transactions and on Visa and Mastercard network data through FlyCode's partnerships with both networks. The network data is what the model learns from; compliance with their retry rules comes with it | No model. Recover sends a timed message sequence. No machine learning is described |
| Retry engine | Replaces the native retry schedule with its own decision layer | None. Baremetrics states that Recover has no retry schedule of its own. Retries are left to your processor, for example Stripe Smart Retries |
| Backup payment method | Yes. Retries other valid cards on file when the primary fails | No. A hosted card update form that the customer has to fill in |
| Free trial payment recovery | Yes. Trial Recovery catches the first failed charge when a trial converts. The only product in the industry built for trial payment recovery | Not offered. Trial Insights reports on trial conversion, and Baremetrics does not describe recovering a failed first charge |
| Dunning compliance | Built in. Because the model is trained on Visa and Mastercard data, every retry already fits their rules: one attempt count per card across your stack, issuer-aware timing, no excessive-reattempt fees | Not offered. Recover sends no retries, so network retry rules stay with your processor |
| High-value and extended recovery | Priority Recovery surfaces the highest-value failures first with a live VIP queue and human-in-the-loop. Dynamic Recovery extends past the billing platform's fixed window and carries invoices over | Not offered. You can exclude segments such as VIP or enterprise accounts from the automated messages |
| Revenue leak monitoring | AI agent watching your billing 24/7 for misconfigured plans, discounts that never expired, entitlement gaps and refund spikes, with auto-fix and human-in-the-loop | Not offered. Baremetrics reports metrics on dashboards and does not act on billing misconfigurations |
| Customer outreach | Email and SMS from your domain, timed to the customer's local time and coordinated with the retry schedule, plus reactivation win-back after a cancellation and AI agents for complex cases | 7 emails by default, SMS, in-app banners that become a paywall after a grace period, and reminder emails before a card's end date. The sequence is timed from the failure, separate from when the processor retries. The core of the product |
| Cancellation flows | No. Keep your existing cancel flow tool | Partly. Cancellation Insights is a separate $129/mo add-on: a cancel survey, follow-up emails and in-app coupons |
| Billing systems | Stripe, Chargebee, Shopify, Recharge, Skio, Loop and all major gateways, plus multi-processor orchestration | Stripe, Braintree and Recurly, plus Chargebee where customer emails are collected. Card write-back on Stripe, Braintree and Recurly only. Recover is not listed for Shopify, Recharge or Skio |
| Pricing | Pay only on revenue recovered above your baseline. No seats, no minimums | $129/mo flat add-on on top of a Baremetrics analytics plan priced by ARR tier. 14-day free trial, and a guarantee: recover more than your Baremetrics cost or the next month is free |
| Published recovery results | 19% to 27% above the Stripe Smart Retries baseline depending on segment, with 5% to 9% ARR lift. Case studies: Capsho 63% to 91%, Gardencup 62% to 82%, GitBook 8% ARR | No published recovery rate. Baremetrics says around 9% of MRR is at risk from failed payments and cites one customer saving $10k-plus in under 3 months. A recovery is credited when the customer interacted with an email or banner |
| Setup | Stripe app, Chargebee app or API keys. Most customers go live in hours | One click if you already use Baremetrics, then edit the email sequence and paste a JavaScript snippet for banners and the paywall |
Updated November 2026. Baremetrics details come from baremetrics.com/features/recover and baremetrics.com/pricing, including the statement that Recover has no retry schedule of its own, the 7 default emails, the supported billing platforms, the $129 monthly add-on price, the ROI guarantee and the 9% of MRR at risk figure. FlyCode figures come from the FlyCode Stripe failed payment recovery benchmark. Vendor pricing changes, so verify directly.
What each product does
FlyCode is a revenue recovery platform for failed payments and involuntary churn: Recover, Reach, Retain and AI Agents. Recover replaces the native retry schedule with a per-merchant model trained on your own transaction history and on Visa and Mastercard network data, retries other valid cards on file when the primary fails, catches failed trial conversions, and enforces network retry rules. Reach coordinates email and SMS with the retry schedule and wins back cancelled customers. Retain prioritizes high-value accounts, extends recovery past the billing platform’s window and sets the rules for what happens when recovery runs out. AI Agents watch your billing around the clock for revenue leaks and route payments across providers. It runs on Stripe, Chargebee, Shopify, Recharge, Skio and Loop, and pricing is on recovered revenue above your existing baseline.
Baremetrics is a subscription analytics tool: dashboards for MRR, churn, cohorts, benchmarks and forecasting on top of Stripe, Braintree, Recurly, Chargebee and others. Recover is an add-on to that product, and Baremetrics describes it as dunning software. When a payment fails, your processor retries the charge and Recover handles the conversation: 7 emails by default, SMS, an in-app banner that becomes a paywall after a grace period you choose, and a hosted card update form. Baremetrics states that Recover has no retry schedule of its own. Cancellation Insights, a cancel survey with follow-up emails, is a second add-on. Each add-on is $129 a month on top of an analytics plan.
When Baremetrics is the better fit
Pick Baremetrics if you are an early-stage SaaS on Stripe, you already use it for metrics, and what you want is a better set of dunning emails and a branded card update page than Stripe sends by default. Setup is one click from the dashboard, the fee is flat and small, and recovery reporting sits next to your MRR and churn charts. For a business where failed payment volume is low, that is a reasonable place to start.
When FlyCode is the better fit
Pick FlyCode if failed payments are the revenue leak you want to close. Messaging only helps when the customer has to act, and most failed subscription payments are insufficient funds, where the fix is retrying the card at the right moment. FlyCode replaces the retry schedule with a per-merchant model trained on your data and the card networks’ data, retries backup cards on file before any customer action, and coordinates email and SMS with the retry timing so customers are not chased for a payment that was about to succeed. It is also the better fit on Shopify, Recharge and Skio, for businesses on more than one processor, for failed trial conversions, and for anyone who prefers to pay only on the lift above what they already recover.
Can you run both?
Yes. Keep Baremetrics for subscription metrics and run FlyCode for failed payments. Because Recover sends no retries, there is no retry conflict between the two. Turn off Recover’s messages so customers do not receive two sets of dunning emails.
FlyCode isn't just a solution provider—they're a true partner, which is rare. Their expertise has helped us uncover hidden issues, optimize processes, and achieve meaningful improvements. The results speak for themselves.
Jared Rasmussen
We'd been trying to find a dunning solution that could rival our manual, internal solution for years. Nothing we tested could compete until we tried FlyCode. FlyCode recovers more revenue while also saving us hours of work every week.
Rick Brackett
Working with Flycode at Mozper has been a game-changer in improving our revenue recovery efforts. Their seamless integration and intuitive tools allowed us to identify key opportunities and implement changes quickly, leading to measurable improvements in our bottom line. Thanks to Flycode, we've been able to optimize our processes and drive better results with minimal effort on our end.
Gabriel Roizner
Failed payments in subscriptions and SaaS are a persistent challenge, harming revenue and harming customer relationships. The AI-first models from FlyCode improve the merchant authorization rate and reduce issuer declines. As a result of being compliant with the card networks (Visa & Mastercard), FlyCode achieves superior recoveries.
"FlyCode has been handling our failed payments recovery for Shopify and Recharge for the past year, delivering a 21% boost in recovery rates and a 9% reduction in involuntary churn. The impact is massive—12X ROI. We never imagined insufficient funds recovery could improve this much!”
“Flycode has been a great help in improving our recovered revenue. They do the hard work with all the optimizations, while we can focus on our core product.”
Andreas van der Griendt
"Partnering with FlyCode has been a game-changer for us. Beyond the significant boost in our recovery rate across all regions, their team's attentiveness sets them apart. For larger brands like ours, this level of dedicated support is a major asset."
Rene Toma
״FlyCode is completely fail-safe. We increased our recovery rate from 62% to over 80%, which was huge for our business. We are grateful for their fast response, their efficient system, and overall improvements to our customer experience״
Christy Dixey
FlyCode delivered a 46% increase in payment recovery and an 11% decrease in billing failures! FlyCode’s onboarding process was super-easy. One standout aspect of FlyCode is the personal support they provide. Their responsiveness and direct communication, have made addressing any issues effortless.
Julio Miles
We took our failed payment recovery rate from 51% to a staggering 66% in just a month! Our most notable victory? A phenomenal 71% recovery rate peak in January! Zero work beyond a phone call and turning on an API connection. Worth taking a look.
TJ Ferrara
