Terms of Service

Valkyrie connects to your Stripe account (read-only) to identify failed payments, works out which ones are worth chasing, and, if you activate recovery, emails your affected customers asking them to update their card. If the payment then succeeds with a new card, we count that as a recovery.

We never charge your customers ourselves. Any successful charge happens through your own Stripe billing, using the updated card your customer gave us.

If activated, we charge 25% of the amount of a payment that we recover, and nothing else. There is no setup fee, no monthly fee, and no charge for payments we don't recover.

"Recovered" means: a charge we flagged as worth chasing later succeeds with a different payment method than the one that originally failed, for the same customer, after we sent a recovery email. We calculate the fee as 25% of that specific charge amount, in the currency it was charged in.

Stripe automatically retries many failed payments on its own, and often succeeds using the exact same card that failed the first time. We never bill for that. It's Stripe's own retry logic doing its job, not us. We call this "Stripe's own retry" on your dashboard, and it's excluded from anything we charge you for.

We only bill for a recovery when the successful charge used a different payment method than the one that originally failed, meaning the customer took an action (updating their card) that plausibly happened because of our outreach, not Stripe's automatic retry.

If a customer fixes their own payment method before we ever contact them, we log that as "recovered independently" and don't bill for it either. We only charge for outreach that we actually sent.

Our access to your Stripe account is read-only for your account settings and existing data: we can see your charges, customers, and failed payments, but we can never change your account settings, view full card numbers, or initiate a transfer or payout from your account.

The only thing we ever create on your behalf is a Stripe Checkout session for a customer to add a new card, and, separately, the platform charge for our own 25% fee, which is billed to the payment method you provide during activation, not pulled from your Stripe balance.

You can revoke our access to your Stripe account at any time from your own Stripe Dashboard, under Settings → Connected applications.

When we detect a recovery, we wait 7 days before charging our fee. This gives time for refunds, disputes, or chargebacks on the recovered payment to surface before we bill you for it. If a recovered charge is refunded or disputed within that window, we don't bill it.

We retain the Stripe charge and customer data needed to run recovery (failed charge details, customer email, recovery status) for as long as your account is active, plus a limited period afterward for financial recordkeeping (billing history, agreement records).

If you cancel, you can request deletion of your data at any time by emailing us. We'll remove customer contact information and scan data, retaining only the minimum billing and agreement records required by law.

See our Privacy Policy for the full detail on what we collect and how to request deletion.

You can stop recovery at any time by revoking our access from your Stripe Dashboard (Settings → Connected applications). This immediately stops any further scanning or outreach. You remain responsible for the 25% fee on any recovery that was already confirmed and within its 7-day hold at the time you cancel; nothing is billed after that.

If we materially change these terms, we'll notify activated merchants by email before the change takes effect. Continuing to use Valkyrie after that point means you accept the updated terms. Each merchant's acceptance is recorded with the version of these terms in effect at the time (currently v1.0-2026).