FlyCode vs
Churnkey
Churnkey is a cancellation experience platform with a payment recovery module added on top of Stripe retries. 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. Both are compared here against Stripe Smart Retries, the baseline every Stripe merchant already has.
In partnership with
Quick answer
Churnkey is a cancellation flow platform for voluntary churn, with a payment recovery module that adds retries, dunning and an in-app payment wall on top of Stripe's native retries. Its own reporting puts dunning recovery at 32%. 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, and coordinates outreach from one decision layer, with results of 19% to 27% above the Stripe Smart Retries baseline. Churnkey is priced by monthly churn volume from $250 a month; FlyCode 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 Churnkey
| What matters | FlyCode | Churnkey |
|---|---|---|
| Best for | SaaS, AI and eCommerce subscription businesses that want to recover more failed payments and pay only on results | SaaS teams that want cancellation flows, pause offers and retention analytics in one platform |
| Scope | Revenue recovery platform for failed payments and involuntary churn: Recover, Reach, Retain and AI Agents | Voluntary churn: cancellation flows and save offers, with payment recovery as an add-on module |
| 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 | ML-optimized retries, as claimed by Churnkey, running alongside Stripe's |
| Retry engine | Replaces the native retry schedule with its own decision layer | Adds its own retries on top of Stripe's native retries |
| Backup payment method | Yes. Retries other valid cards on file when the primary fails | No |
| 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. Churnkey's recovery starts after a paid subscription exists |
| 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. Churnkey does not describe network retry-rule enforcement |
| 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. Churnkey recovers inside the billing platform's standard 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. Churnkey acts only on failed payments and cancellations |
| 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 | Email, SMS and in-app payment wall, with campaign segmentation and A/B testing |
| Cancellation flows | No. Keep your existing cancel flow tool | Yes. Churnkey's core product |
| Billing systems | Stripe, Chargebee, Shopify, Recharge, Skio, Loop and all major gateways, plus multi-processor orchestration | Stripe, Chargebee, Maxio, Paddle and Braintree |
| Pricing | Pay only on revenue recovered above your baseline. No seats, no minimums | Priced by monthly churn volume. Starter $250/mo billed yearly ($300 monthly), Core $500 to $1,300/mo, Intelligence $625 to $1,425/mo, Enterprise custom |
| 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 | 32% recovery from dunning campaigns (Churnkey 2025 State of Retention). Churnkey also reports a 4% to 12% lift from the payment wall. No published rate above a Stripe baseline |
| Setup | Stripe app, Chargebee app or API keys. Most customers go live in hours | JavaScript module plus server-side auth hash. Churnkey cites 15 to 25 minutes for the embedded install |
Updated November 2026. Churnkey figures come from churnkey.co/pricing and Churnkey's 2025 State of Retention report as summarised in FlyCode's 2026 payment recovery platform comparison. 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.
Churnkey started as a cancellation flow product and that is still its center of gravity: cancel surveys, save offers, pause subscriptions, feedback analysis and retention analytics. Its payment recovery module adds retries, dunning campaigns across email, SMS and in-app, and a payment wall that blocks product access until the card is updated. The retries run alongside Stripe's native retries rather than replacing them.
When Churnkey is the better fit
Pick Churnkey if voluntary churn is your bigger problem. If customers are actively cancelling and you have no save flow, pause offer or exit survey in place, Churnkey solves that well and FlyCode does not touch it at all. Churnkey is also the better fit if you want one vendor for both cancellation flows and basic dunning on a fixed monthly fee, and you are comfortable that its retries stack on top of Stripe's rather than replacing them. For a SaaS business where failed payments are a small share of churn and the team wants a single retention dashboard, that trade is reasonable.
When FlyCode is the better fit
Pick FlyCode if involuntary churn is the revenue leak. If you can see insufficient funds and generic declines in your Stripe or Shopify dashboard and you want a measurable lift above what Stripe Smart Retries already recovers, FlyCode is built for exactly that and charges only on the lift. It is also the better fit for eCommerce subscriptions on Recharge, Skio or Loop, for businesses running more than one payment processor, and for any team that wants backup card retries and outreach coordinated from one decision layer instead of two systems retrying the same card on overlapping schedules.
Can you run both?
Yes, and many teams do. Keep Churnkey for cancellation flows and save offers, turn off its payment recovery module, and run FlyCode for failed payments. Running two retry engines at the same time is the one setup to avoid: stacked retries on overlapping schedules can lower your authorization rate with issuers.
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
