Redux Payments

Pros: Setup was dead simple which was my favorite part. We connected it to Stripe and it started working. No engineering time which is huge since our team is spread so thin as it is. The AI retry logic is actually smart about when to retry based on decline reasons and bank patterns, not just hammering the card every few hours hoping it works. Customers get a one-click link to update their card without needing to log in, which removes a ton of friction. And the pricing model is a no-brainer since we only pay when they recover more than Stripe was already getting us. What else is there to say

Cons: Takes a few weeks for the AI to fully optimize to your payment patterns, but results improve steadily once it does.

Overall: We honestly thought Stripe retries had us covered. Turns out we were leaving a lot on the table. Redux runs in the background, recovers payments we would have lost, and we don't have to think about it. One of those tools that just works and pays for itself

Pros: We've been using Apple's IAP to handle billing for our consumer app but recently switched to Stripe for web billing to save on the 30% app store fees. But what we quickly found was Stripe smart retries were letting a lot of customers still churn. We went with redux for a few reasons:

- They work with a lot of consumer and B2C companies. Being an iOS native app, it was important to us that they understood our customers and were able to get the best recovery rates

- Performance pricing. Their pitch is "you only pay when we increase your recovery rate." I liked how no risk it was. Redux baselined us at our Stripe recovery rate and then only bills when they beat it

- Set it and forget it. I literally set it up once and redux handles everything else. They'll check in with performance updates and let us know things they improving/testing with their AI models. We don't do anything and have made made multi-6 figures in the past 8 months. It's constantly optimizing to our business which I love. Like finding money in the couch cushions each month

Cons: While it was easy to install, I do wish they had self serve onboarding. Sometimes you don't want to have to talk to a sales rep. They told me it's because they work with companies starting at $5m-$10m+ ARR. But I mean we're above that and would still want self serve. But ymmv

Overall: Overall, this was one of the biggest wins we had this year. We've recovered hundreds of thousands of incremental dollars Stripe was missing and invested those into more growth experiments. Churn is down, ARR is up and we didn't have to do anything other than sign up