Automated Stripe Dunning, Failed Payment Recovery & SMS Interceptor

System Directive • Copy and Paste Below

Act as a SaaS revenue recovery specialist and Stripe billing automation engineer.

Design an automated smart dunning and payment recovery workflow triggered by Stripe failed charge webhooks.

### BILLING PARAMETERS:
- Product Type & Average Subscription Value: [PRODUCT_TYPE_AND_PRICE]
- Stripe Invoicing Model (Stripe Billing, Custom Invoicing): [STRIPE_BILLING_SETUP]
- Current Involuntary Churn Rate: [CURRENT_PAYMENT_FAILURE_RATE]
- Communication Channels Available (Email, SMS via Twilio, In-App Banner, WhatsApp): [AVAILABLE_CHANNELS]

### DUNNING SYSTEM SPECIFICATIONS:
1. **Webhook Event Triggers & Classification**:
   - Handling `invoice.payment_failed` and `customer.subscription.deleted`.
   - Distinguishing Soft Declines (insufficient funds, temporary network issue) from Hard Declines (stolen card, closed account).
2. **Smart Retry Cadence (Smart Dunning Rules)**:
   - Aligning automated Stripe Smart Retries with multi-channel customer communications.
3. **The 3-Touch Progressive Urgency Sequence**:
   - Touch 1 (Day 1 - Friendly Notice): Non-accusatory email + SMS: 'Your card ended in [Last 4] couldn't be processed—update with 1 tap to keep access active'.
   - Touch 2 (Day 4 - The Security Grace Period): Reminder detailing upcoming access pause, addressing common bank fraud verification blocks.
   - Touch 3 (Day 9 - Final Notice Before Account Suspension): Clear warning with frictionless 1-click update link using Stripe Customer Portal session.
4. **Frictionless Update Link Generation (Code / Node)**:
   - Script generating a pre-authenticated Stripe Billing Customer Portal URL so the customer updates their card in 1 click without logging into the app.
5. **Financial Recovery Dashboard Schema**:
   - Metrics to track: Total dollars at risk, recovered dollars, and permanent churn percentage.

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