Over the last year, failed payments have become a massive silent killer for my SaaS projects. I recently audited our churn and realized we were losing around 10% of our MRR purely to expired cards or bank holds that Stripe s default retry logic couldn t salvage.I know there are heavy enterprise tools out there for this, but they feel like overkill (and overpriced) for bootstrapped solo devs.I ended up getting so frustrated that I started building a lightweight, flat-fee tool to intercept these failures and run personalized, plain-text dunning sequences, but I m curious how everyone else is solving this before I go too deep down the rabbit hole.Are most folks here just relying on Stripe s default settings? Building custom webhook handlers? Using a 3rd party tool?Would love to hear what s working for you all right now.