The Best Dunning Tools for Indie SaaS in 2026 (Honest Comparison)

If you run a SaaS on Stripe, you're losing money to failed payments right now. The question is how much, and what's the cheapest way to fix it. I've been building a dunning tool ( Rebill ) so I spent weeks researching every competitor. Here's what I found -- no BS, including where my own tool falls short. The Problem (30 seconds) 5-10% of recurring charges fail. Expired cards, bank flags, insufficient funds. The customer didn't cancel -- their payment just didn't go through. Stripe Smart Retries handle the retry timing automatically. But they don't email your customer. They don't warn people before their card expires. They don't give you a recovery dashboard. That's what dunning tools do. Here are the options in 2026: The Comparison Churn Buster - $249/mo+ The OG. Been around since 2014. Enterprise-grade. Pros: Most mature product with the most recovery data Dedicated account manager on higher plans Supports Braintree and Recurly, not just Stripe Campaign A/B testing Cons: $249/mo mini