s bank or card into yours, which is what GoCardless and Stripe own published pay-as-you-go rates, checked live on 29 September 2026, and exclude VAT, which is added on top of GoCardless s expiry date does, and a bank account is far less likely to be replaced than a lost or stolen card. GoCardless None of the three providers publishes one directly comparable recovery-rate figure, so buyers should weight case-study claims against their own customer mix. Stripe Billing and Chargebee both add a recurring-billing surcharge on top of card processing, and their published payment-recovery figures come from case studies rather than one audited average, so treat any single recovery-rate claim with caution and check it against your own failure mix.