Best Gravy Alternatives for Failed Payment Recovery (2026)

If you're searching for a Gravy alternative, you're probably feeling the weight of failed payments eating into your MRR. Every churned subscriber is money walking out the door. Gravy Solutions has been one of the more prominent names in failed payment recovery since 2017, but their managed-service model and $997+/mo pricing aren't the right fit for every SaaS founder.

Gravy takes a unique approach — US-based retention specialists personally reach out to customers via email, text, and phone. It works for some businesses, but it comes with a steep price tag and a narrow feature set. There are no cancel flows, no reactivation campaigns, and no self-serve option.

In this comparison, we'll break down how MRRSaver stacks up against Gravy across pricing, features, setup, and approach — so you can decide which tool is the right fit for your SaaS business.

What Is Gravy?

Gravy Solutions is a managed payment recovery service founded in 2017. Unlike typical dunning software, Gravy assigns US-based retention specialists to your account who personally contact customers within hours of a failed payment. Their outreach spans email, text messages, and phone calls — a "humanized" approach they believe outperforms automated dunning.

The company claims to have returned over $1 billion to clients and reports recovery rates up to 80%, with averages around 50%. They serve course creators, subscription box companies, SaaS businesses, service businesses, and nonprofits. They also offer a "Churnfolio" program designed for PE and VC portfolio companies managing churn across multiple brands.

Gravy solutions pricing starts at a custom flat fee of $997/mo and scales up to $8,000/mo depending on transaction volume. There is no public pricing page — you need to book a 30-minute consultation call to get a quote. Gravy integrates with Stripe, Braintree, Recurly, Teachable, SamCart, Ontraport, and Keap.

What Is MRRSaver?

MRRSaver is a revenue retention platform built specifically for SaaS founders using Stripe. It goes beyond simple payment recovery by offering three pillars of retention: failed payment recovery, smart cancel flows, and customer reactivation campaigns — all in one self-serve platform.

Setup takes under 5 minutes with one-click Stripe connect and zero code changes. The platform handles smart retries, automated dunning emails, card update pages, cancel flow interventions, and win-back campaigns on autopilot. Everything is designed so you can set it and forget it.

Pricing starts at $29/mo for the Starter plan (up to $10K MRR), with Growth at $79/mo (up to $50K MRR) and Scale at $149/mo (up to $200K MRR). Every plan includes a 7-day free trial so you can test the platform before committing.

Gravy vs MRRSaver: Feature Comparison

Payment Recovery Approach

This is where Gravy and MRRSaver diverge most fundamentally. Gravy uses real people — retention specialists who call, text, and email your customers personally. Some Gravy solutions reviews praise this human touch, noting it can feel more personal and empathetic than automated emails. For businesses with high-value subscribers, this hands-on approach can make a difference.

MRRSaver takes the automated route: smart payment retries timed to maximize success, dunning email sequences, and self-serve card update pages. The advantage is speed, consistency, and cost. Every failed payment is handled instantly, 24/7, without waiting for a human agent. In the gravy vs dunning software debate, it often comes down to whether you value the personal touch or the efficiency and affordability of automation.

Cancel Flows and Retention

Gravy focuses exclusively on failed payment recovery. It does not offer cancel flows, exit surveys, or any tools to intervene when a customer actively tries to cancel their subscription. If a customer decides to leave, Gravy has no mechanism to present alternatives like a pause, discount, or plan change.

MRRSaver includes smart cancel flows that intercept cancellation attempts with targeted offers. This means you're not just recovering payments that fail — you're also preventing voluntary churn before it happens. For most SaaS businesses, voluntary churn is a bigger problem than involuntary churn.

Customer Reactivation

Gravy does not offer customer reactivation or win-back campaigns. Once a customer has churned and the recovery window closes, Gravy's involvement ends. There's no automated system to re-engage former subscribers down the road.

MRRSaver includes win-back campaigns that automatically reach out to churned customers with targeted offers to bring them back. This third pillar of retention means you're recovering revenue at every stage — failed payments, cancellation attempts, and post-churn reactivation.

Integrations

This is one area where Gravy has a clear advantage. Gravy integrates with multiple payment processors including Stripe, Braintree, Recurly, Teachable, SamCart, Ontraport, and Keap. If your business runs on a payment platform other than Stripe, Gravy can likely support it.

MRRSaver is built exclusively for Stripe. This narrower focus means a deeper, more seamless integration — one-click connect, real-time webhook processing, and native Stripe data — but it does mean you need to be on Stripe to use it.

Setup and Onboarding

Getting started with Gravy requires booking a 30-minute consultation, going through custom onboarding, and being assigned dedicated retention specialists. The process can take weeks before recovery efforts actually begin. There is no self-serve option and no free trial.

MRRSaver is fully self-serve. Connect your Stripe account in one click, configure your recovery settings, and you're live in under 5 minutes. No calls, no onboarding meetings, no waiting. Start your 7-day free trial and see results immediately.

Pricing Comparison: Gravy vs MRRSaver

Pricing is where the MRRSaver vs Gravy comparison becomes most stark. Gravy charges a custom flat fee that starts at $997/mo and can reach $8,000/mo depending on your transaction volume. There's no public pricing page — you have to book a consultation to get a quote. For many early-stage SaaS founders, that entry point is simply out of reach.

MRRSaver offers transparent, public pricing with three tiers:

• Starter — $29/mo for SaaS up to $10K MRR
• Growth — $79/mo for SaaS up to $50K MRR
• Scale — $149/mo for SaaS up to $200K MRR

At the entry level, MRRSaver is over 34x cheaper than Gravy. Even at the Scale tier ($149/mo), you're paying a fraction of Gravy's minimum. And MRRSaver includes cancel flows and reactivation campaigns that Gravy doesn't offer at any price point. If you're looking for a cheaper alternative to Gravy, the math speaks for itself.

Who Should Choose Gravy?

Gravy is a legitimate option for certain types of businesses. If you have the budget for a premium managed service and you prefer a completely hands-off approach where real people handle your failed payment recovery, Gravy delivers on that promise. Their human-led outreach can feel more personal than automated emails, especially for businesses with high-value customers.

Gravy is also a better fit if you're not on Stripe. Their integrations with Braintree, Recurly, Teachable, SamCart, and other platforms make them versatile in the failed payment recovery space. Larger subscription businesses, course creators, and companies with complex billing across multiple platforms may find Gravy's breadth appealing.

That said, keep in mind that some Gravy solutions reviews on Capterra report mixed results on actual recovery rates, with at least one reviewer noting significantly lower recovery than projected. Make sure to ask for case studies relevant to your industry during your consultation.

Who Should Choose MRRSaver?

MRRSaver is built for SaaS founders on Stripe who want a complete revenue retention platform without the enterprise price tag. If you need more than just failed payment recovery — if you also want cancel flows to prevent voluntary churn and reactivation campaigns to win back lost customers — MRRSaver covers all three in one platform.

It's ideal for founders who value speed and simplicity. No consultation calls, no multi-week onboarding, no waiting for an account manager. Connect Stripe, configure your settings, and start recovering revenue in minutes. The 7-day free trial lets you validate the platform with zero risk.

Budget-conscious teams will appreciate the transparent pricing. At $29/mo to start, MRRSaver pays for itself with a single recovered payment. You get full visibility into what you're paying and what you're getting — no opaque custom quotes, no surprises.

The Bottom Line: MRRSaver as a Gravy Alternative

Gravy and MRRSaver represent two fundamentally different approaches to revenue retention. Gravy is a premium managed service that puts real people on the phone with your customers. MRRSaver is a self-serve SaaS platform that automates the entire retention lifecycle — from failed payments to cancellations to win-back campaigns.

MRRSaver wins on price ($29/mo vs $997+/mo), speed (5-minute setup vs weeks of onboarding), and feature breadth (cancel flows + reactivation that Gravy doesn't offer). Gravy wins for businesses that want a completely hands-off, human-led approach and have the budget to support it.

For SaaS founders on Stripe who want affordable, automated, all-in-one revenue retention — MRRSaver is the clear choice. Try it free for 7 days and see how much revenue you can recover.