How it Works
See every card on file
FlyCode identifies the other valid payment methods a customer already has.
Retry the one most likely to work
Intelligently falls back to an eligible card instead of repeating the failing one.
Recover with zero friction
The customer is never asked to do anything. The payment simply goes through.
No dev work
Connect once and toggle it on. FlyCode runs in parallel with your billing and syncs status.
Recover
Adaptive Backup Cards is part of Recover. See every tool in the category.
Adaptive Backup Cards vs single-card retries
| Capability | Adaptive Backup Cards | Single-card retries |
|---|---|---|
| Cards used for recovery | Every eligible card the customer has on file | Only the card that just failed |
| Customer action required | None, the payment clears silently | Often an email asking them to update their card |
| Fallback logic | Falls back to the card most likely to succeed | Repeats the same failing card |
| Customer friction | Zero, recovery runs behind the scenes | Repeated failure notices risk reminding them to cancel |
| Data collection | Uses payment methods already stored, no new data | Varies |
| Recovery lift | Adds 7-11% to recurring revenue on top of processor defaults | Baseline only |
| Proven approach | The backup-card practice used by the largest subscription businesses | Not attempted |
| Setup | No code, toggle it on | Varies |
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How does FlyCode access other cards on file?
It uses the eligible payment methods already stored on the customer in your billing system, no new data collection.
Does the customer know this is happening?
No. Backup card recovery runs silently. The customer only hears from you if no valid method works and outreach is needed.
What if there's only one card on file?
Then this product simply doesn't apply, and recovery proceeds through Adaptive Retries and outreach as normal.
Is backup card recovery compliant?
Yes. FlyCode only uses payment methods the customer already stored in your billing system and adheres to Visa and Mastercard network rules through direct partnerships. No new card data is collected.
How does FlyCode choose which backup card to try?
It falls back to the card most likely to succeed based on the payment context, rather than simply trying the next card in line.
Do I need engineering work to turn it on?
No. Connect your billing platform once and toggle it on. Backup card recovery runs in parallel with your billing and requires no code.
Does it work with my billing stack?
Connect Stripe today, with PayPal and more on the way. Subscription management works with Shopify, Recharge, Skio, Stay AI, and Chargebee, and new integrations are added regularly.
How does pricing work?
Pricing is outcome-based. You only pay when FlyCode recovers a payment, so it pays for itself out of revenue you would otherwise have lost.
