FlyCode

Embedded Payments

AI-powered failed payment recovery platform that helps subscription businesses reduce involuntary churn.

Overview

FlyCode is an AI-native payment recovery and dunning platform purpose-built for subscription businesses — both SaaS and direct-to-consumer (DTC) eCommerce. The core problem it solves is "involuntary churn": subscribers who are lost not because they chose to cancel, but because their payment failed and was never successfully retried. FlyCode estimates this hidden revenue leak can cost subscription companies 5–10% of ARR annually. The platform works by layering multiple recovery mechanisms on top of a merchant's existing payment infrastructure. It trains per-merchant ML models on individual transaction histories, issuer decline codes, and customer payment metadata — then uses those models to determine the optimal retry timing, routing, and messaging for each failed payment. Core capabilities include AI-optimized smart retries, backup card-on-file charging, coordinated dunning email/SMS outreach, intelligent multi-PSP routing, and a reactivation layer for subscriptions already cancelled due to non-payment. Integration is zero-code for Stripe and Shopify users (via app marketplace), and the platform also supports API and white-label modes for platforms. FlyCode targets CFOs, finance teams, retention managers, and billing leaders at high-growth SaaS companies and DTC subscription eCommerce brands. It competes directly with Chargebee's native retry logic, ProfitWell/Paddle Retain, Churnkey, and Gravy. Differentiation centers on per-merchant ML (vs. global shared models), outcome-based pricing (pay-only-on-recovery, no seats or minimums), and a full-stack approach combining retries + backup cards + outreach + reactivation. Reported results across published case studies range from 17%–62% recovery rate improvements and 5%–9% ARR lift.

Key features

• AI/ML smart payment retries
• Backup card-on-file recovery
• Coordinated dunning email/SMS outreach
• Multi-PSP intelligent payment routing
• Subscription reactivation (post-cancellation win-back)
• Real-time recovery analytics dashboard

Vertical focus

saas, ecommerce

Notable customers

Framer, BUBS Naturals, Just Meats, Cymbiotika, Workiz

At a glance

Scored against the published rubric. See our editorial policy.