FlyCode vs
Gravy
Gravy is a done-for-you failed payment recovery service: human Recovery Specialists contact your customers under your brand over a 60-day cadence, priced as a share of what they recover. FlyCode is a revenue recovery platform that replaces the retry logic from the first attempt with per-merchant machine learning trained on Visa and Mastercard network data, retries backup cards automatically, and coordinates email and SMS so customers are only contacted when it helps.
In partnership with
Quick answer
Gravy is a done-for-you failed payment recovery service for creators, course businesses, memberships and service companies. Human Recovery Specialists contact your customers white-label in your brand voice over a 60-day cadence after your billing platform's retries have failed, and Gravy charges a share of what they recover. It runs no retry engine of its own, has no machine learning, no card network partnerships, no backup card retries and no trial recovery, and its published figures are lifetime totals and client quotes rather than a rate above a baseline. 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 from the first attempt with per-merchant ML trained on Visa and Mastercard network data, retries backup cards, coordinates email and SMS with the retries, and charges only on revenue recovered above your baseline, with results of 19% to 27% above the Stripe Smart Retries 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, and runs on Stripe, Chargebee, Shopify, Recharge, Skio and Loop.
FlyCode vs Gravy
| What matters | FlyCode | Gravy |
|---|---|---|
| Best for | SaaS, AI and eCommerce subscription businesses on Stripe, Chargebee, Shopify or Recharge that want a measurable lift in recovered revenue and pay only on results | Course creators, coaches, membership sites and service businesses that want people, not software, contacting customers about failed payments under their brand |
| Scope | Revenue recovery platform for failed payments and involuntary churn: Recover, Reach, Retain and AI Agents | Done-for-you failed payment recovery service. Gravy's Recovery Specialists contact customers on your behalf over a 60-day cadence; no software retry engine |
| 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 | Human outreach playbook. No machine learning, no per-merchant model, no card network partnerships |
| Retry engine | Replaces the native retry schedule with its own decision layer | None of its own. Gravy works the failures your billing platform's native retries leave behind, by contacting the customer |
| Backup payment method | Yes. Retries other valid cards on file when the primary fails | No. Customers are asked to update their card through a human conversation |
| 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 | No. Gravy's outreach starts after a paid subscription's charge fails |
| 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 applicable to outreach. Gravy does not run retries, so network retry rules fall on your billing platform |
| 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 | Partly. Every account gets human follow-up for 60 days, but there is no value-based prioritization or automated extended window |
| 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. Gravy acts only on failed payments |
| 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 | Human Recovery Specialists reaching out white-label in your brand voice. Personal, but manual and capacity-bound |
| Cancellation flows | No. Keep your existing cancel flow tool | No |
| Billing systems | Stripe, Chargebee, Shopify, Recharge, Skio, Loop, plus multi-processor orchestration | Stripe, Braintree, Recurly, Keap, Ontraport, SamCart, Teachable and others reached through account access |
| Pricing | Pay only on revenue recovered above your baseline. No seats, no minimums | Share of recovered revenue after a free audit and proposal. Percentage not published; quoted per client |
| 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 | Gravy cites $500M to $1B returned to clients across its history, a 47% average portfolio recovery rate, and client quotes such as 33% to 79%. None is measured against the platform's native baseline |
| Setup | Stripe app, Chargebee app or API keys. Most customers go live in hours | Onboarding call, account access to your billing platform, implementation team configures the outreach cadence |
Updated November 2026. Gravy details come from gravysolutions.io, including the Recovery Specialist model, white-label outreach, 60-day cadence, listed integrations, and the $500M to $1B returned and 47% portfolio figures as stated there and in Gravy's press. FlyCode figures come from the FlyCode Stripe failed payment recovery benchmark. Neither vendor publishes its revenue-share percentage; 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.
Gravy is a done-for-you failed payment recovery service, built for creators, course businesses, memberships, subscription boxes and service companies. After your billing platform’s own retries have failed, Gravy’s Recovery Specialists contact the customer under your brand, in your voice, over a methodical 60-day cadence, and help them update their card. It connects to Stripe, Braintree, Recurly, Keap, Ontraport, SamCart, Teachable and similar platforms through account access, and charges a share of what it recovers after a free audit and proposal. Gravy runs no retry engine, no machine learning and no card network partnerships, and does not offer backup card retries, trial recovery or anything beyond outreach. Its published figures are lifetime totals and client quotes rather than a rate measured against a baseline.
When Gravy is the better fit
Pick Gravy if the personal touch is the product. For a creator, coach or membership business where customers know the founder by name, a message or call from a specialist speaking as your team can save relationships software would not, and handing the whole job to people means nobody on your side thinks about failed payments. It also fits if your billing sits on Keap, Ontraport, SamCart or Teachable, where software options are thin. The trade is that recovery depends on reaching the customer, so it is slower, capacity-bound and starts only after the platform’s retries have already failed.
When FlyCode is the better fit
Pick FlyCode if you want the failed payment recovered before anyone has to contact the customer. A model trained on your transactions and on Visa and Mastercard network data decides each retry from the first attempt, backup cards on file are tried automatically, and email and SMS go out only when they help, timed to the customer’s local time. That recovers the bulk silently and at any volume. It is also the only option of the two for trial recovery, high-value prioritization, revenue leak monitoring, and billing through Chargebee, Shopify or Recharge, and the fee is charged only on the lift above your baseline.
Can you run both?
Yes, in a way that works with none of the other tools on this site. Gravy does not retry cards, so there is no stacked-retry conflict. FlyCode recovers the majority through retries and backup cards and coordinates the first outreach; Gravy’s specialists could take the hard-decline remainder by hand. In practice FlyCode’s coordinated email, SMS and AI agents cover most of that remainder, so the overlap is small, but it is not harmful.
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
