Recover failing revenue.
Automate the billing work your team hates doing.
Streamflow builds done-for-you AI automations for fintech startups and SaaS companies: recovering failed payments, chasing invoices, matching payments to your bank, VAT and compliance reporting, and revenue dashboards. Fixed-fee pilot from €800/month. Live and running in 4 weeks.
What we automate
Failed payment recovery - automatic, on Stripe
When a Stripe charge fails, the reason changes everything. Insufficient funds needs a different message than an expired card or a bank block. Most companies send the same generic email to all three - and lose 80% of the money they could recover.
Streamflow builds a recovery sequence that runs everything in the right order: it reads why the payment failed, looks up the customer's history, has AI write an email matched to that exact reason, and sends it on a smart schedule (day 1 / 4 / 7 / 14). Anything still unpaid after day 14 goes to your team.
- Average MRR recovery: 12-18% of otherwise-lost revenue
- No manual work until the day-14 hand-off to your team
- Covers every common reason a card is declined: not enough funds, expired card, card reported lost, bank block, and more
B2B invoice chasing - AI-personalised reminders
Outstanding B2B invoices cost more than the late fees. They tie up working capital and require your team to have awkward conversations repeatedly. Streamflow eliminates both.
The process: an invoice goes past due → the customer's history is pulled in (payment record, company size, how long they have been with you) → AI drafts a polite, fitting reminder → it goes out by email or WhatsApp → anything still unpaid at 30 days goes to your team.
- 95% of invoices settled before they ever reach your team at 30 days
- Tone matched to how overdue it is and who the customer is (new, long-term, or at-risk)
- EU-compliant and GDPR-safe - your data stays on systems you own in the EU
Payment reconciliation - close your books in 2 hours
Manual reconciliation between Stripe and your bank wastes 2-3 days per month and introduces errors. Streamflow runs it daily and automatically.
Each day it runs everything in the right order: it pulls your Stripe and bank records, matches them by amount, date, and reference, flags anything that does not line up, and posts a summary to your team. Works across EUR, GBP, USD, SEK, NOK, and DKK.
- Daily close instead of monthly firefighting
- Mismatch alerts before they become month-end problems
- Full audit trail - query any transaction, any date
VAT MOSS / IOSS / OSS automation - quarterly, zero manual work
EU digital-service VAT obligations are a quarterly headache: classify each Stripe transaction by buyer country, apply the correct VAT rate, compile the summary, and hand it to your accountant. Streamflow does this automatically.
Every quarter it runs everything in the right order: your Stripe sales are sorted by country, the correct VAT rate is applied for each one, and a summary (spreadsheet and PDF) is emailed to your accountant on schedule. Covers EU OSS, UK VAT, and IOSS for non-EU sellers.
- No more manual spreadsheets
- Handles products at different VAT rates (digital goods, software, physical)
- Does not replace a licensed accountant - eliminates the prep work before them
MRR / churn / LTV digest - every Monday, no BI tool
Most early-stage SaaS founders either live in Stripe's dashboard (incomplete) or pay for a BI tool they barely use. Streamflow builds a weekly digest that covers everything that matters, delivered by email every Monday at 08:00 your timezone.
- MRR, new MRR, churned MRR, net expansion MRR
- LTV by cohort (month of first charge)
- Churn rate (by count and by revenue)
- AI flags unusual spikes or drops and the likely cause
- Connects to your existing Stripe account. No extra reporting tool to pay for.
KYC / client onboarding automation - 4 hours, not 4 days
Fintech and professional services firms still onboard by hand: email chains, PDF attachments, e-signing portals nobody can find, and a 3-5 day wait before a client is active. Streamflow cuts this to under 4 hours.
The process runs everything in the right order: a client fills in your form → documents are requested automatically → ID is verified → contract is e-signed (legally valid) → their record is created → a welcome email and WhatsApp message go out → your team is notified. The client is active before the end of the day they sign.
- Average onboarding time: under 4 hours (vs 3-5 business days by hand)
- Legally valid e-signing
- Works with whatever sign-up form you already use
How it all runs
All of it runs on systems you own, based in the EU. No data leaves the EU without your explicit consent.
Manual vs automated: the numbers
| Task | Manual | Streamflow automated |
|---|---|---|
| Failed payment recovery | Generic email, ~20% recovery, 3-5 hrs/week chasing | AI message matched to each failure reason, 12-18% MRR recovery, zero hours |
| Invoice chasing (B2B) | Manual emails, uncomfortable calls, 30-60 day resolution | Automated AI reminders, 95% resolved before 30-day escalation |
| Monthly reconciliation | 2-3 days of spreadsheet work per month | Daily automated close, books done in under 2 hours total |
| Quarterly VAT prep | 4-8 hours of Stripe data export + pivot tables | Zero - compiled and sent to accountant automatically |
| Client onboarding | 3-5 business days, multiple email threads | Under 4 hours, fully automated except human review step |
| MRR / churn reporting | BI tool subscription (€200-€1,000/month) or manual | Weekly digest by email, no additional tool cost |
Who this is for
- SaaS companies on Stripe with 50-5,000 subscribers and failing-payment churn they haven't fully addressed
- Fintech startups where the ops team is still doing reconciliation in spreadsheets
- Neobanks and payment operations teams with recurring transaction matching and dispute handling to run
- B2B service businesses (agencies, law firms, accountancies) with outstanding invoice portfolios
- EU-based companies selling digital services cross-border who need OSS/IOSS VAT compiled automatically
Frequently asked questions
How does the Stripe payment recovery work, step by step?
The moment a payment fails in Stripe, it becomes an automatic trigger. The system looks up the customer's history (how valuable they are, how long they have been with you, past failures), AI picks the right kind of message for that failure and writes a personalised version, then sends it. Reminders go out on days 1, 4, 7, and 14. If it is still unpaid on day 14, your team gets an alert with all the customer details ready to go.
What is the typical ROI on invoice chasing automation?
For a B2B company with €50,000 in outstanding invoices at any time, recovering 80% within 30 days instead of 60-90 days materially improves working capital. The automation costs from €800/month - typically recovered in the first invoice cycle it resolves. The soft ROI (hours freed, uncomfortable conversations eliminated) is harder to measure but consistently valued higher than the cash recovery by the operators we work with.
Is the data EU-compliant? Where does it live?
All data stays in the EU. Everything runs on systems you own based in the EU, including the e-signing. No part of the process handles personal financial data on US systems without proper safeguards in place. EU Standard Contractual Clauses apply where relevant.
Do you work with payment platforms other than Stripe?
Stripe is the one we connect to most. We also work with GoCardless (SEPA Direct Debit), Mollie (EU cards + iDEAL + SEPA), and Paddle (for SaaS with merchant-of-record needs). If you use a different platform, just ask - we can connect to almost anything.
How long is the pilot and what does it cost?
4 weeks, fixed fee from €800/month for a single automated system (e.g. payment recovery only). Pilots covering several at once - payment recovery + reconciliation + VAT - are priced at €1,500-€3,000/month depending on scope. No setup fee during the pilot. Cancel after the pilot - no lock-in. If the pilot produces measurable ROI (it should), we continue on the same monthly fee.
Can I see what you've built for hospitality and ecommerce?
Yes. Streamflow's flagship work is in hospitality (review reply automation, AI concierge) and ecommerce (cart recovery, returns triage, post-purchase upsell). The fintech engines run on the same systems you own in the EU - different jobs, same reliability.
See what's recoverable in your business
30-minute call with a Streamflow founder. Bring your Stripe dashboard. We'll identify which automations recover the most revenue first and give you a written recommendation - free, no commitment.
Book a free audit call →From €800/month · live in 4 weeks · EU-registered · No lock-in