Recover failing revenue.
Automate the billing ops your team hates doing.
Streamflow builds done-for-you AI automation for fintech startups and SaaS companies: Stripe dunning, invoice chasing, payment reconciliation, VAT/compliance reporting, and MRR dashboards. Fixed-fee pilot from €800/month. Live in production in 4 weeks.
What we automate
Failed payment recovery — Stripe dunning automation
When a Stripe charge fails, the failure reason determines 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 recoverable MRR.
Streamflow builds a dunning sequence that: classifies the failure reason from the Stripe event → enriches the customer record (LTV, tenure, past failures) → asks Gemini to draft an email matched to that specific failure class → sends via Resend on a smart retry cadence (day 1 / 4 / 7 / 14) → escalates the unrecovered tail to your ops Telegram on day 14.
- Average MRR recovery: 12–18% of otherwise-lost revenue
- Zero manual intervention until day-14 escalation
- Failure classes covered: insufficient_funds, card_expired, do_not_honor, generic_decline, lost_card, bank_blocked
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 flow: past-due invoice event from Stripe or Invoice Ninja → debtor enrichment (payment history, company size, relationship tenure) → Gemini drafts a polite, contextually appropriate reminder → delivered via email or WhatsApp Business API → escalates to a human via Telegram at 30 days.
- 95% of invoices resolved before the 30-day human-escalation trigger
- Tone calibrated to days-overdue and debtor tier (new client vs long-term vs at-risk)
- EU-compliant, GDPR-safe — self-hosted, EU data region
Payment reconciliation — close your books in 2 hours
Manual reconciliation between Stripe, your bank, and Invoice Ninja wastes 2–3 days per month and introduces errors. Streamflow runs it daily and automatically.
Each day: pull Stripe ledger → pull bank statement (CSV or open banking) → pull Invoice Ninja → diff in Supabase → flag mismatches above threshold → post summary to ops Telegram. Multi-currency support: EUR, GBP, USD, SEK, NOK, DKK.
- Daily close instead of monthly firefighting
- Mismatch alerts before they become month-end problems
- Audit trail in Supabase — 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: Stripe transactions classified by country → correct VAT rate applied per jurisdiction → summary exported as CSV + formatted PDF → sent to your accountant via email on schedule. Covers EU OSS, UK VAT, and IOSS for non-EU sellers.
- Zero manual pivot tables
- Supports mixed-rate SKU catalogs (digital goods, SaaS, 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 to Telegram and 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)
- Anomaly annotation via Gemini — flags unusual spikes or drops with likely causes
- Stack: Stripe API + n8n + Supabase + Gemini. No additional BI subscription.
KYC / client onboarding automation — 4 hours, not 4 days
Fintech and professional services firms still run onboarding manually: email chains, PDF attachments, DocuSign portals nobody can find, and a 3–5 day wait before a client is active. Streamflow collapses this to under 4 hours.
Flow: intake form submission → automatic document request → ID verification trigger → DocuSeal e-sign (eIDAS-compliant) → Supabase client record creation → welcome email + WhatsApp sequence → ops Telegram notification. Client is active before the end of the day they sign.
- Average onboarding time: under 4 hours (vs 3–5 business days manual)
- eIDAS-compliant e-signature via DocuSeal (self-hosted, MIT licence)
- Adapts to any intake form (Typeform, native HTML, Calendly)
The stack underneath
All fintech automation runs on self-hosted infrastructure in the EU. No data leaves the EU without explicit consent.
Manual vs automated: the numbers
| Task | Manual | Streamflow automated |
|---|---|---|
| Failed payment recovery | Generic email, ~20% recovery, 3–5 hrs/week chasing | AI-matched copy per failure class, 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 to Telegram + 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 reconciliation and dispute-handling workflows
- 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 dunning automation work, technically?
A Stripe webhook fires on invoice.payment_failed. The event lands in n8n, which enriches it with the customer's Supabase record (LTV, tenure, previous failure count). Gemini selects a message template class based on the failure reason code and drafts personalised copy. Resend delivers it. The retry schedule runs on days 1, 4, 7, and 14. On day 14 without resolution, a Telegram message alerts your ops team with the customer context pre-populated.
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. n8n runs on Contabo VPS (EU region). Supabase is on the Frankfurt cluster. Resend is GDPR-compliant. DocuSeal is self-hosted. No SaaS tool in the stack processes personal financial data on US infrastructure without an adequate protection mechanism. EU Standard Contractual Clauses apply where relevant.
Do you work with payment platforms other than Stripe?
Stripe is our primary integration. We also integrate with GoCardless (SEPA Direct Debit), Mollie (EU cards + iDEAL + SEPA), and Paddle (for SaaS with merchant-of-record needs). Invoice Ninja handles invoice generation and mirrors any of these. If you use a different platform, ask — most expose webhooks or a REST API that n8n can consume.
How long is the pilot and what does it cost?
4 weeks, fixed fee from €800/month for a single automation (e.g. dunning only). Multi-automation pilots covering dunning + 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 deployments are in hospitality (review reply automation, AI concierge) and ecommerce (cart recovery, returns triage, post-purchase upsell). The fintech stack uses the same n8n + Supabase + Gemini infrastructure — different triggers, same reliability.
See what's recoverable in your stack
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 · 4 weeks to production · EU-registered · No lock-in