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LastRetry vs Butter Payments
Butter is a machine-learning payment recovery platform for large subscription brands, priced as a revenue share agreed after a sales analysis. LastRetry publishes its rate and is self-serve for Stripe SaaS.
| LastRetry | Butter Payments | |
|---|---|---|
| Pricing model | 10% of recovered revenue up to $50K MRR, 7% to $250K, 5% to $500K. Nothing if nothing is recovered. | Revenue share on each invoice recovered through Butter; the percentage is set after a payment health analysis and isn't published. No retainer fees. |
| Getting started | Self-serve: connect Stripe and go. | Request a free payment health analysis or talk to sales; usually live within 72 hours. |
| Who it's for | SaaS on Stripe, $10K–500K MRR. | Large subscription brands; their revenue estimator starts at $10M annual revenue. |
| Billing platforms | Stripe | Stripe Billing, Braintree and Recharge out of the box; others through an enterprise API integration. |
| Retries | Planned per decline reason: payday timing for insufficient funds, back-off for soft declines, no retries for expired, lost or stolen cards. | Machine-learning models built per business to choose a retry strategy for each failed payment. |
| Emails and SMS | Sent in your name, written per decline reason; A/B tests against your own copy; AI drafts you approve. SMS: Optional for high-value customers, with a card update link. $0.10 per text. | "Outreach" add-on: email, SMS and AI voice, sent by Butter or triggered for you to send. |
| Card update page | Stripe-hosted card page; the new card becomes the default and the invoice is charged at once. | Not described on their public pages. |
| Compliance | Hosted in the EU with a GDPR data processing agreement; card data stays in Stripe. | SOC 2 Type 2 and PCI DSS Level 2. |
Butter Payments details are from their public pages, checked October 4, 2026. Prices and features change; see the sources below.
What the pricing difference means
Both charge only on recovered revenue. Butter sets its percentage after a "payment health analysis" and doesn't publish it, so we can't compare the numbers directly. LastRetry's rate is public: 10%, 7% or 5% by MRR, with no sales call.
When Butter Payments is the better choice
- You're a large subscription business (eight figures of revenue or more) and want a managed, sales-led setup.
- You bill through Braintree or Recharge, or an in-house system.
- You want voice outreach as well as email and SMS.
When LastRetry is the better choice
- You're a SaaS on Stripe and want to start today, without a sales process.
- You want to know your rate up front.
- You want to see exactly how each payment was recovered, case by case.
See how LastRetry works, the pricing details, or how we treat each decline code.
Sources
- butterpayments.com (checked October 4, 2026)
- butterpayments.com/pricing (checked October 4, 2026)
- Butter platform integrations (checked October 4, 2026)
- Butter Outreach (checked October 4, 2026)
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