---
updatedAt: 2025-09-08T20:15:35.000Z
agentTools:
  projectIndex: https://sticky.readme.io/llms.txt
---

# Recovery Overview

## Sticky Recovery Overview

Sticky Recovery offers 2 powerful API-driven models to help subscription businesses recover failed payments and reduce churn:

* **Dunning Endpoint:** A recommendation-based approach for teams who prefer to run their own retries. We return the best retry date and time for each failed transaction based on real-time and historical signals. You handle the retry execution and simply report back the outcome.
* **Recover Endpoint:** A fully managed recovery solution. You send us the failed transaction, and we take over, retrying the payment through your configured gateway using an ML-optimized schedule. No retry logic or orchestration required on your side.

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|                                                     | Dunning Endpoint                                                                                                                  | Recover Endpoint                                                                                                                    |
| :-------------------------------------------------- | :-------------------------------------------------------------------------------------------------------------------------------- | :---------------------------------------------------------------------------------------------------------------------------------- |
| Who Executes Retries                                | Sticky.io                                                                                                                         | Merchant                                                                                                                            |
| Retry Scheduling                                    | Merchant schedules retries using Sticky's recommended date/time                                                                   | Fully automated. Retry schedule and submissions handled by Sticky.                                                                  |
| Data Submitted                                      | Lightweight. Decline metadata only (e.g., BIN, decline reason, gateway, amount). No payment method or customer identity required. | Full recovery payload. Includes customer info, billing address, and a valid payment method (e.g., token, card) to resubmit payment. |
| Dunning Profiles (Retry Logic Configuration)        | ✅                                                                                                                                 | ✅                                                                                                                                   |
| Recovery Activity (Track Individual Failed Payment) | ✅                                                                                                                                 | :white\_check\_mark:                                                                                                                |
| Analytics                                           | ✅ :warning: Merchant must report outcome via Complete Session API                                                                 | ✅                                                                                                                                   |
| Webhooks                                            | :x:                                                                                                                               | :white\_check\_mark:                                                                                                                |
| Transaction Management                              | :x:                                                                                                                               | :white\_check\_mark:                                                                                                                |
| Gateway Profile                                     | ✅ ⚠️Limited Support: Only to enrich decline metadata by querying the gateway for context (e.g., reason codes).                    | ✅                                                                                                                                   |
| User & Role Management                              | :white\_check\_mark:                                                                                                              | :white\_check\_mark:                                                                                                                |
| Multi-Organization Support                          | :white\_check\_mark:                                                                                                              | :white\_check\_mark:                                                                                                                |