... wide, a meaningful chunk of subscription churn is just failed payments that never get recovered, and a lot of that is these avoidable mismatches. So I built Revova ( https://revova.io ). It detects failed charges across Stripe (native), plus Paddle, Braintree, Chargebee, and Recurly, and writes a different AI-personalized email depending on the actual decline reason including a "confirm with your bank" message for SCA challenges instead of asking for a new card. It also adjusts tone based on whether ...