Recover the payments you've already written off.

Recovery Radar sits on top of your payment processor and turns dishonoured direct debits into recovered revenue — smart retries for soft failures, signed re-authorisation for dead mandates, and hardship-safe handling throughout. You only pay when money comes back.

Processor-agnostic. Live sandbox on Pinch Payments today.

Autopilot journey · live demo
Live
Priya Chandra
Invoice #4821 · Blue Gum Dental
$1,285.00
Invalid card
!
Flagged
Re-auth sent
Opened
Details captured
Stored in Pinch
Billing resumed
Stage 1 of 6Flagged
20–40%
of churn is involuntary — the payment failed, not the relationship
Most
hard failures — dead mandates, closed accounts — end as write-offs
One size
fits all: platform retries treat every failure the same
How it works

Three steps, no re-platforming

Recovery Radar sits on top of your processor. You keep your payment rails; we run the recovery motion.

1. Connect

Plugs into your payment processor and reads your dishonour file. No rip-and-replace, no data migration.

2. Triage

Every failure classified by dishonour code, payer history and risk signals. Each gets the right path — retry, nudge, signed re-auth, or hardship care.

3. Recover

Autopilot runs the journey and writes back to your CRM. You watch each payment move through the stages.

Re-authorisation

Dead mandates aren't dead revenue.

When an authority is withdrawn or an account is closed, retrying the same debit is pointless — it will bounce again and cost you another dishonour fee. Recovery Radar sends the payer a fresh, legally signed Direct Debit Request via Annature, vaults the new payment method in Pinch, and resumes billing automatically.

  • E-signed DDR that stands up to bank challenge
  • Payment method captured and vaulted by Pinch — you never touch card or bank numbers
  • Missed cycles reconciled and billing resumes on the next scheduled date
Six-stage journey
1
2
3
4
5
6
Flagged
Re-auth sent
Opened
Details captured
Stored in Pinch
Billing resumed
Why it works: Annature captures a fresh authority the bank will honour, and Pinch vaults a new payment method — so the next scheduled debit clears instead of bouncing.
Agents welcome, humans in charge

Built for the agentic era.

Every capability humans use in the dashboard is available to AI agents through a permissioned API and MCP surface — but agents can only propose. Every dollar-moving action pauses for a human to approve, hardship-flagged payers are protected automatically, and daily delegation limits cap agent authority.

  • Human-in-the-loop on every money movement
  • Hardship-flagged payers auto-shielded from retries
  • Daily delegation limit — the agent can never overspend
Agent proposal awaiting approval
Human review
Marcus O'Sullivan
Retry via Pinch · insufficient funds
$475.00

"Second attempt already burned — retry at next payday window (Wed 27 Aug). Recovery odds 68%."

Delegation used $310 / $500
Pricing

You only pay when the merchant gets paid.

Soft-failure retries
Free up to your baseline recovery rate

Insufficient funds, temporary problems, technical errors — we retry at the right time and only charge when we exceed what your platform recovers today.

Assisted recovery
From X%, confirmed in your recovery audit

SMS, WhatsApp and email nudges with payer-friendly language. Charged as a small % of the recovered payment — never on payments that would have recovered anyway.

Re-authorised mandates
From X%, capped per payment

The write-off pile. We collect a signed DDR, vault a new payment method and resume billing. Premium share, capped per payment so the fee never dominates the recovery.

No subscriptions. No dishonour fees. Fee caps on every recovery, and if we don't recover more than we cost, you don't pay.

Your payment platform earns dishonour fees when payments fail.
We earn only when they recover.

FAQ

Common questions

Does this replace my payment processor?+

No — Recovery Radar sits on top of your processor. It runs on Pinch Payments today and is processor-agnostic by design.

What happens to payers in hardship?+

Automatically shielded from retries. We only propose consented payment plans, and every plan requires human approval before it runs.

How do you calculate what you charge?+

Only on recoveries above your measured baseline — never on payments that would have recovered anyway. Your baseline is confirmed in your recovery audit before you're charged a cent.

Can my AI tools use it?+

Yes. Recovery Radar exposes a permissioned API and an MCP surface, with human approval required on every dollar-moving action and a daily delegation cap.

Is payer data secure?+

Payment details are captured and vaulted by the processor. Recovery Radar never stores raw bank account or card numbers.