AI-Native Payment Operations

Payment operations
that never sleep.

PayHour is an autonomous AI agent that monitors your payment health around the clock, retries failed charges at optimal moments, and recovers revenue before it becomes churn.

Payment Health LIVE
98.4%
success rate
12 failures recovered today
$4,280 revenue saved this week
Your payment operations employee — working 24/7.
The Problem

Failed payments are a revenue leak most businesses ignore.

12%
of card-on-file transactions fail — expirations, insufficient funds, bank blocks
35%
of users cancel after a single payment failure — even if they wanted to stay
89%
of failed payments are recoverable with the right retry strategy

"We sent one dunning email and hoped for the best. Most customers just left."

— Every subscription business, before PayHour
The Solution

An AI agent that works your payment beat around the clock.

PayHour is not a billing tool or a retry scheduler. It's an autonomous employee that monitors your payment health, diagnoses failures, retries at optimal moments, and communicates with customers — without you lifting a finger.

24/7 Monitoring Watches every transaction, flags failures instantly, acts before customers notice
Smart Retries Retries at optimal moments — payday windows, low-failure days, not arbitrary 3-7-14 day schedules
Customer Communication Human-toned messages via email and chat, specific about the failure reason and the fix
Decline Intelligence Reads the decline code — soft declines retry, hard declines escalate, fraud flags human review
How It Works
01

Connect your payment stack

Stripe, KakaoPay, Toss, or any payment API. PayHour reads your transaction stream in real time.

02

PayHour watches 24/7

Every charge attempt is monitored. Failures are classified by decline type and routed to the right retry path.

03

Smart retries at the right moment

Not a fixed schedule — PayHour times retries around payroll cycles, optimal days, and customer behavior patterns.

04

Customers hear from PayHour

Clear, specific messages explaining what failed and how to fix it. One click to update payment method.

05

You get the recovery report

Daily summary of failures caught, revenue recovered, retry success rates. No guessing what's happening.

60-70%
of failed payments are recoverable with smart retries
2-4×
better recovery rates vs. rules-based retry logic
30-50%
reduction in involuntary churn from failed payments
20-50%
revenue increase for businesses switching to intelligent retries

Industry benchmarks from companies using AI-powered payment recovery vs. traditional fixed retry schedules.

Built for Korea

The Korean payment landscape is uniquely brutal.

Multiple payment providers, complex approval flows, high consumer expectations. Most dunning tools are built for US credit card flows and don't map well to how Korean SMBs get paid.

KakaoPay, Toss, Samsung Pay, Naver Pay Multi-provider payment stacks need multi-provider retry logic
High mobile payment adoption Korea leads the world in contactless payment — failures happen on small screens, recovery needs to be frictionless
SMBs bear the cost Smaller subscription businesses rarely have a dedicated payments team — someone is manually handling what PayHour automates

PayHour replaces the payment operations employee.

Not a tool. Not a dashboard. An AI agent that works your payment beat 24 hours a day, 7 days a week — diagnosing failures, retrying at the right moment, recovering revenue, and reporting back.

Your subscription business deserves someone watching payments around the clock.