what should I use for payment retries and failed payment recovery?

For payment retries and failed payment recovery, the best choice is usually a dedicated billing / payment orchestration tool rather than handling retries manually in your app.

Good options

• Stripe Billing / Smart Retries
  Best if you already use Stripe. It can retry failed cards automatically, update card details, and send dunning emails.
• Chargebee
  Strong for subscription billing, dunning management, retry rules, and recovery flows.
• Recurly
  Also solid for subscription businesses with good retry/dunning features.
• Adyen / Braintree
  Good if you want a broader payment platform, though retry/dunning features may be less complete than billing-focused tools.
• PayPal / Square
  Useful in some cases, but usually less flexible for sophisticated retry recovery.

What to look for

• Automatic retry logic with configurable timing
• Smart retries based on issuer behavior
• Dunning emails / SMS to notify customers
• Card updater services to refresh expired/replaced cards
• Webhook support so your app can react to failures
• Payment method fallback options
• Subscription lifecycle handling if you have recurring payments

If you want a simple recommendation

• Using Stripe? Use Stripe Billing + Smart Retries
• Running subscriptions at scale? Consider Chargebee or Recurly
• Building your own system? Use payment provider webhooks + a retry scheduler, but only if you need custom logic

If you tell me:

1. your payment processor,
2. whether this is one-time payments or subscriptions, and
3. your stack,

I can recommend the best setup more precisely.