What is Stripe dunning automation and how does it work?

Stripe dunning automation catches failed subscription payments and recovers them without manual intervention. Streamflow's dunning engine listens for Stripe invoice.payment_failed webhooks, enriches the customer record with their LTV, plan tier, payment history, and failure reason (insufficient funds vs card expired vs bank block), then Gemini drafts a personalised recovery email — a different message for a 2-year enterprise customer than for a trial-to-paid conversion. Smart retry scheduling at 24h, 72h, and 7 days. Live in 4 weeks from €800/month.

How does AI invoice chasing automation reduce days sales outstanding (DSO)?

Streamflow's invoice chasing engine monitors Xero, QuickBooks, or Sage for overdue invoices and sends AI-drafted reminder emails calibrated to the customer relationship and days overdue. A long-standing client 5 days past due gets a different tone than a new customer 45 days overdue. When an invoice exceeds 30 days, the system escalates to a Telegram alert with a phone call brief for the account manager. Finance leads receive a morning digest of overdue exposure.

How does payment reconciliation automation work with Stripe and Xero?

Streamflow's reconciliation engine pulls Stripe payout data and Revolut transaction feeds daily, matches them against accounting ledger entries in Xero or QuickBooks using configurable matching rules (amount, date window, reference pattern), and posts matched transactions automatically. Unmatched items — refunds, disputed charges, partial payments — are flagged in a Telegram digest for the finance team to review.

Can Streamflow automate EU VAT compliance for SaaS companies?

Yes. Streamflow's VAT compliance engine applies EU VAT rules to new invoices automatically based on the customer's country, supply type (digital services vs goods vs B2B services), and B2B vs B2C classification. It monitors OSS/IOSS cross-border sales thresholds and alerts when you approach registration requirements. Quarterly return prep data is exported to Xero or QuickBooks in the correct format. The system integrates with Stripe Tax data to close the loop between invoicing and reporting.

Which accounting and payment platforms does Streamflow integrate with?

Streamflow integrates with Stripe (subscriptions, invoices, payouts, disputes), Xero (invoices, bills, bank feeds), QuickBooks Online (invoices, expenses, reconciliation), Sage (via API and export), and Revolut Business (transaction feeds). The underlying stack is n8n + Supabase + Gemini Flash 2.5. All data processing happens on EU-hosted infrastructure. Data does not leave the EU without explicit consent.

How long does a Streamflow fintech automation pilot take?

Four weeks from kickoff call to live production. Pilot scope is one engine (Stripe dunning, invoice chasing, or reconciliation). Fixed fee from €800/month. No setup fee during the pilot. Cancel anytime after the pilot — no lock-in. Full-stack fintech engagements covering multiple engines are €1,500–€3,000/month.

What is B2B revenue recovery automation?

B2B revenue recovery automation is the set of AI systems that catch and recover money that has technically been earned but not collected — failed subscription payments, unpaid invoices, disputed charges, and unclaimed refunds. Streamflow's dunning engine recovers failed Stripe payments automatically. The invoice chasing engine reduces overdue exposure. Together these systems recover revenue that would otherwise be written off.

Does Streamflow's fintech automation work for B2B SaaS as well as agencies?

Yes. The dunning engine is purpose-built for subscription businesses (B2B SaaS, membership platforms) billing via Stripe. The invoice chasing engine is purpose-built for project-based businesses (agencies, consultancies, professional services) billing via Xero or QuickBooks. Both can be deployed in parallel for hybrid models that combine subscription and project revenue. The reconciliation and VAT engines apply to both business types.

How does Streamflow's AI personalise dunning emails?

Gemini Flash 2.5 personalises each dunning email based on: customer LTV tier, subscription plan, number of previous failed payments, payment failure reason (card expired vs insufficient funds vs bank block), days since failure, and customer relationship length. A high-LTV enterprise customer who has never missed a payment and whose card just expired gets a warm, factual message. A low-LTV account on a second consecutive failure gets an urgent message with a payment link prominently placed. The personalisation lift over generic Stripe Smart Retries alone is measurable within the first billing cycle.

Fintech · B2B SaaS · Finance Ops

The revenue you wrote off
last month — recovered.

Failed Stripe payments. Overdue invoices chased by hand. Bank feeds reconciled line by line. VAT rules applied from memory. Every one of these is an AI job waiting to happen. Streamflow builds the systems that run your finance ops automatically — so your team handles the exceptions, not the routine.

Calculate your revenue gap →

TL;DR. Streamflow Solutions builds done-for-you AI automation for B2B SaaS, fintech, and finance teams. Four engines: Stripe dunning (AI-personalised per failure reason and LTV tier), B2B invoice chasing (Xero / QuickBooks / Sage, AI-calibrated by relationship and days overdue), payment reconciliation (Stripe + Revolut + accounting ledger), and VAT compliance (EU rules applied per invoice automatically, OSS threshold monitoring). Founded in Riga — works globally.

The money already earned — not yet collected

Failed subscription payments are revenue your system already approved. Overdue invoices are work your team already delivered. A professional services firm with a long average DSO is funding its clients' operations interest-free. These are not revenue problems — they are collection problems. The work to fix them is repetitive, rule-based, and relationship-sensitive. It is exactly what AI does well.

Before Streamflow

Stripe Smart Retries only — no personalised recovery email
Invoice chasers sent manually from Xero, same template for every client
Bank feeds reconciled line by line in QuickBooks every Friday
VAT rates applied by memory or manual lookup per invoice
No Telegram alerts — finance lead finds out when accountant flags it

After Streamflow

AI dunning email per failure reason + LTV tier, smart retry schedule — revenue recovered automatically
Invoice chasing calibrated to relationship and days overdue, escalates to Telegram at 30d
Bank-to-book entries matched automatically, exceptions surfaced in morning digest
EU VAT rules applied per invoice automatically, OSS threshold monitored
Finance lead sees cashflow exposure daily without opening Xero

Four engines. One fixed fee.

Engine 1

Stripe Dunning

invoice.payment_failed webhook → Supabase enrichment (LTV tier, plan, payment history, failure reason) → Gemini personalises dunning email per segment → smart retry at 24h, 72h, 7d → pauses new sales outreach to delinquent accounts. Integrates with Stripe Smart Retries — not a replacement, an amplifier.

Failed payments recovered — no manual chasing

Engine 2

Invoice Chasing

Xero / QuickBooks / Sage overdue monitoring → AI-drafted chasing email calibrated to days overdue and customer relationship tier → escalation brief to Telegram at 30d+ → morning digest of total overdue exposure. Your invoices get paid. Your client relationships don't suffer.

Overdue invoices chased automatically, escalated when needed

Engine 3

Payment Reconciliation

Stripe payouts + Revolut feeds + accounting ledger → n8n matching rules (amount, date window, reference) → auto-posted matched entries → Telegram digest of exceptions (refunds, disputes, partials). Friday morning reconciliation: gone.

Bank-to-book matched overnight — exceptions only

Engine 4

VAT Compliance

New invoice → country detection + supply type classification + B2B/B2C determination → correct EU VAT rate applied automatically → OSS/IOSS threshold monitoring for cross-border sales → quarterly prep data exported to Xero. Integrates with Stripe Tax for a closed-loop view. Never miss a filing.

Zero missed VAT obligations

Not sure which engine your finance team needs first? We'll map it on a 30-minute call.

Book a free 30-min call →

Integrations

Platform	Integration type	What Streamflow automates
Stripe	Webhooks, REST API	Failed payment detection, dunning drip, payout reconciliation, dispute monitoring
Xero	REST API	Invoice overdue monitoring, chasing email trigger, reconciliation posting, VAT prep export
QuickBooks Online	REST API	Invoice monitoring, chasing trigger, bank feed reconciliation, expense categorisation
Sage	API + export	Invoice monitoring, overdue alerts, reconciliation data feeds
Revolut Business	REST API	Transaction feed ingestion, reconciliation matching, FX summary for reporting

Streamflow fintech automation stack: "All finance automation runs on a self-hosted n8n + Supabase stack in the EU. Stripe, Xero, QuickBooks, Sage, and Revolut integrations are built and maintained by Streamflow. Data does not leave the EU without explicit consent. Gemini Flash 2.5 generates email copy. Telegram delivers ops alerts. No proprietary SaaS lock-in — the automations are yours to keep." Source: streamflow.solutions/meaningos/fintech.html

The stack under the engines

Built on infrastructure you own. No vendor lock-in. Everything runs on a self-hosted stack in the EU.

Stripe API Xero API QuickBooks Online Sage Revolut Business Resend n8n (self-hosted) Supabase Gemini Flash 2.5 Telegram (ops) Stripe Tax

Frequently asked

How long does it take to go live?

We scope, build and launch one engine within 4 weeks of the kickoff call. The timeline depends on how quickly your team can share API credentials and approve the first test runs.

Does Stripe Smart Retries already handle dunning?

Stripe Smart Retries handles the payment retry scheduling. Streamflow adds the personalised email layer on top — a different message for a high-LTV enterprise customer whose card expired versus a trial user whose bank blocked the payment. The two work together.

Can you integrate with our existing Xero / QuickBooks setup without disrupting it?

Yes. Streamflow reads from your accounting platform and writes back only matched reconciliation entries — it does not touch your chart of accounts, existing transactions, or reconciliation workflow. Invoice chasing emails are sent through your existing email domain via Resend. The integration is additive, not disruptive.

Does this work for agencies and professional services as well as SaaS?

Yes. The dunning engine is purpose-built for subscription revenue (Stripe). The invoice chasing engine is purpose-built for project and retainer billing (Xero / QuickBooks). Both can run in parallel. The reconciliation and VAT engines apply to both.

Who owns the automations after the engagement?

You do. We build on a self-hosted n8n + Supabase stack that is yours to keep. There is no ongoing dependency on Streamflow proprietary software — you are not locked into our platform.

Ready to collect what you've already earned?

30-minute call. We map the failed payments, overdue invoices, and reconciliation backlog in your finance ops. You walk away with a written brief whether we work together or not.

Book a free 30-min call → All MeaningOS products →

The revenue you wrote offlast month — recovered.