Biblioteca grátis
21 templates prontos para copiar e colar cobrindo cada estágio da recuperação de pagamentos: email, SMS, WhatsApp. Assuntos testados, timing de retentativa e variantes por código de recusa. Sem cadastro, sem porteira.
Canal principal de cobrança. Use em todos os estágios da sequência.
Push multi-canal a partir do dia 3 para alcançar quem não lê email. Compatível com TCPA.
Canal mais forte onde a adoção é alta (LATAM, UE, India, SEA).
Enviado antes de qualquer falha de pagamento, para prevenir churn na origem.
Sent 30 days before a card on file expires, based on the expiration date you already have stored. Goal: fix the card BEFORE the payment fails, preventing dunning entirely. This is the single most effective pre-dunning move.
Sent 30 days before an annual subscription auto-renews. Goal: transparently remind the customer, offer an upgrade/downgrade path, reduce chargeback risk. Required by law in several US states (e.g., California) and in the EU.
Primeiro contato imediato, geralmente em minutos após a primeira cobrança falha.
The first email sent immediately after a payment fails, before any retry. Goal: catch the 40-60% of failures that resolve with a simple nudge, before the customer feels embarrassed or annoyed.
Sent when a subscription payment fails specifically because the card on file expired. This is the easiest dunning recovery - not a money problem, just an admin task. Goal: treat it like routine maintenance, not an emergency.
Sent when a payment fails with insufficient_funds. Customers in this bucket are often experiencing cash flow issues and aggressive emails here cause churn and support tickets. Goal: keep them as a customer long-term even if this payment cycle needs flexibility.
Sent when the bank flagged the transaction (do_not_honor, generic_decline, call_issuer). The card is valid; the bank blocked this specific charge. Goal: explain this is a routine bank fraud flag (not a card problem) and give two clear paths to fix it.
Sent when the bank requires 3D Secure / Strong Customer Authentication (SCA) before approving the charge. Almost always an EU or UK customer. Goal: explain this is standard, normalize the verification step, link to the 3DS challenge.
Follow-up quando o aviso inicial não recuperou o pagamento.
Sent on day 3 after the friendly heads-up did not recover the payment. The customer has ignored the first email. Goal: be direct without being aggressive, and preempt silent churn.
An SMS version of the day 3-5 dunning email, used as a multi-channel push alongside email. Goal: reach customers who are not reading email. SMS has 45-50% open rates compared to 20-30% for email.
WhatsApp message sent on day 3-5 for customers with a WhatsApp-linked phone number. Goal: use the highest-open-rate channel available (90%+ in most markets) for maximum reach.
Lembrete no meio da sequência que torna a perda concreta.
Sent on day 7 after two prior emails did not work. The customer has ignored both. This email is not about payment mechanics anymore - it is about what they are about to lose. Goal: make the loss concrete and offer a clean exit if they want out.
Last-chance SMS sent at day 7 or day 14, paired with the final email. Goal: catch customers who are not reading email before the account suspends.
Aviso final, encerramento limpo e gancho de reconquista.
Sent on day 14 after all retries and prior emails have failed. The grace period is over. Goal: close cleanly, preserve goodwill, and leave the door open for reactivation. A well-done final notice is often the best win-back hook you have.
Sent as the final payment escalation for B2B SaaS customers (larger accounts, AP departments, purchase orders). Goal: formalize the escalation without damaging the relationship, and give the AP team everything they need to pay.
Final WhatsApp message sent at day 14 alongside the final email. Goal: reach the last bucket of non-responders with the channel they are most likely to read.
Enviado após recuperação bem-sucedida para fechar o ciclo e reconstruir a confiança.
Sent immediately after a retry succeeds following a dunning sequence. Goal: close the loop, reassure the customer, and turn a near-churn moment into a positive touch. Skipping this email is a common mistake.
Sent immediately after a customer successfully updates their card. Goal: confirm the update, reassure that billing will resume normally, and close the dunning loop cleanly.
Reengaje clientes perdidos 30-90 dias após o cancelamento.
Sent 30-60 days after a subscription was cancelled due to failed payments. The customer has had time to decide whether they want to come back. Goal: re-engage with a specific reason (new feature, usage-relevant improvement) and remove friction to reactivate.
Sent immediately after a churned customer reactivates their subscription. Goal: confirm the reactivation, restore trust, and set up a proactive check-in so they do not churn again.
Enviado quando o cliente clica em cancelar para oferecer uma alternativa suave (pausa, downgrade, desconto).
Converta testes grátis em pagos antes que expirem silenciosamente.
Os templates acima se encaixam numa sequência padrão de 14 dias. Essa cadência, combinada com retentativas agendadas pelo código de recusa do Stripe, tipicamente recupera 60-80% dos pagamentos falhos:
| Dia | Ação | Objetivo |
|---|---|---|
| D0 | Retentativa + E-mail #1 (aviso amigável) | Captura 60% que tiveram recusa temporária |
| D2 | Retentativa (silenciosa) | Tentar após a maioria dos salários cair |
| D3 | E-mail #2 (pedido direto) + SMS | Alcançar leitores que não usam e-mail |
| D5 | Retentativa + WhatsApp | Canal com 90%+ de taxa de abertura |
| D7 | E-mail #3 (lembrete de valor) | Lembre o que eles vão perder |
| D10 | Retentativa (final automática) | Pegar a última chance de recuperação |
| D14 | E-mail #4 (aviso final) + WhatsApp | Encerramento limpo, gancho de reconquista |
Pule o trabalho de copiar e colar
Conecte o Stripe em 5 minutos. O Rebounce detecta falhas, classifica por código de recusa e roda o template certo na hora certa em email, SMS e WhatsApp. Cancela automaticamente na recuperação. A partir de $3.50/mês.