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Lirova

Recover Stripe subscription payments that fail on the card

Fintech
Payments
SaaS
Visit WebsiteSee on Product HuntTwitter

Hunted byIvan BaliasIvan Balias

When a renewal fails, the customer usually didn't decide to leave. Lirova classifies each decline, retries what's worth retrying, stops what isn't, and emails only when a card actually needs updating. You pay a fee only on what we recover.

Top comment

Hi, I'm Ivan. I'm building Lirova on my own and nobody is paying for it yet.

It's for SaaS founders who bill subscriptions through Stripe. When a renewal fails, Lirova looks at the decline and picks one of four lanes for that payment: retry patiently, retry quickly, ask the customer for a new card, or stop. You only pay a fee on money that came back through a Lirova retry.

I started on this because a failed renewal doesn't show up as churn anywhere. The customer never cancelled. Their card failed, and the subscription ended even though nobody chose to end it.

If you have Stripe Smart Retries on, that's Stripe picking a good moment to try the card again. Lirova is about whether to try again at all, and what the customer hears in each case. With insufficient_funds the same card usually goes through later, so it gets retried. expired_card won't go through with the same details, so the customer gets an email asking for new ones. do_not_honor looks final, but it's often a temporary block at the bank. lost_card and fraudulent never get retried; I made that call myself.

The free plan gives you 25 recoveries a month at a 20% fee, and on Growth and Scale the fee is 15% and 10%. Before recovery switches on you have to add a card for the fee, which is why I'd start with the demo. It runs on generated data at whatever volume you type in and never touches Stripe. If you'd rather look at your own numbers first, open Payments in Stripe, filter to failed and export with the decline reason.

While writing the classifier I also ended up with a reference page for every decline code we route: lirova.app/en/stripe-decline-codes

I'll be here all day. The question I care about most is whether you'd connect something like this to your Stripe account, and if you wouldn't, what's in the way.

Comment highlights

@ivan_balias I like the idea of @Lirova and I think for products charging $20 or more it makes sense, but for lower priced products the 20% fee is a good chunk of the profit.

About Lirova on Product Hunt

Recover Stripe subscription payments that fail on the card

Lirova was submitted on Product Hunt and earned 9 upvotes and 3 comments, placing #64 on the daily leaderboard. When a renewal fails, the customer usually didn't decide to leave. Lirova classifies each decline, retries what's worth retrying, stops what isn't, and emails only when a card actually needs updating. You pay a fee only on what we recover.

Lirova was featured in Fintech (47.5k followers), Payments (13.2k followers) and SaaS (44.4k followers) on Product Hunt. Together, these topics include over 82.1k products, making this a competitive space to launch in.

Who hunted Lirova?

Lirova was hunted by Ivan Balias. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.

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