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LastRetry vs Churn Buster
Churn Buster charges a flat monthly fee by MRR tier and supports many billing platforms. LastRetry is Stripe-only and charges a share of what it recovers.
| LastRetry | Churn Buster | |
|---|---|---|
| Pricing model | 10% of recovered revenue up to $50K MRR, 7% to $250K, 5% to $500K. Nothing if nothing is recovered. | One flat monthly fee for your MRR tier. Dunning Only starts at $269/mo; they say one product scales at about 0.1% of MRR. No commissions. |
| Contract | None. No subscription, setup fee or minimum. | Month-to-month, cancel any time. |
| Trial | Free to connect; you only pay on recoveries. | No free trial listed; a free 20-minute strategy call, credited if you buy within 90 days. |
| Billing platforms | Stripe | Stripe, Recharge, Shopify, Braintree, Recurly and more, plus custom setups via API. |
| Retries | Planned per decline reason: payday timing for insufficient funds, back-off for soft declines, no retries for expired, lost or stolen cards. | Their own retry logic on top of Stripe; recommends Smart Retries at 4 tries over 2 weeks; skips charges Radar marked do-not-retry. |
| Emails | Sent in your name, written per decline reason; A/B tests against your own copy; AI drafts you approve. | Personalized recovery campaigns and email sequences; can reach a backup contact when emails go unanswered. |
| SMS | Optional for high-value customers, with a card update link. $0.10 per text. | "SMS Nudge": one text per campaign, without a card update link. Price not published. |
| Card update page | Stripe-hosted card page; the new card becomes the default and the invoice is charged at once. | Card capture page with real-time validation and 3-D Secure; charges and sets it as default; can be self-hosted on your domain. |
| In-app notices | Banner script for customers with an open case (customer id signed on your server). | Documented for Intercom + Stripe. |
| Cancel flows | Not included. LastRetry handles failed payments only. | Yes, as a separate product (from $269/mo, or $430/mo together with dunning). |
Churn Buster details are from their public pages, checked October 3, 2026. Prices and features change; see the sources below.
What the pricing difference means
Churn Buster's published Dunning Only starting price is $269 a month. At LastRetry's 10% rate, our fee reaches that amount in a month where we recover $2,690. Below that, LastRetry costs less; in a month we recover nothing, it costs nothing. Above it, a flat fee can be cheaper, and our rate drops to 7% and 5% as your MRR grows.
When Churn Buster is the better choice
- You bill through Shopify, Recharge or another platform besides Stripe.
- You'd rather pay a predictable flat fee than a share of recoveries, especially at high recovery volume.
- You also want cancellation flows from the same vendor.
When LastRetry is the better choice
- You're a SaaS on Stripe between $10K and $500K MRR.
- You want to pay only when a payment is actually recovered, with every recovery shown on a case timeline.
- You want retries that follow the decline reason, and SMS with a direct card update link.
See how LastRetry works, the pricing details, or how we treat each decline code.
Sources
- churnbuster.io/pricing (checked October 3, 2026)
- churnbuster.io/dunning (checked October 3, 2026)
- Churn Buster Stripe integration docs (checked October 3, 2026)
- Churn Buster SMS docs (checked October 3, 2026)
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