Recoup vs Butter Payments

The recovery tool Butter Payments can't be — because it doesn't run on Square.

Butter uses machine learning to optimize retry timing at the bank level — for Stripe and Recharge. There's no Square support, and its pricing is a revenue share: a cut of everything it recovers, forever. Recoup is Square-native and flat-fee, so you keep 100% of what's won back — and on a seller recovering real volume, that difference is thousands of dollars a year.

Start free See pricing

~10 min setup · flat fee · keep 100% of what we recover

Butter Payments

ML-driven payment recovery

% of recovered revenue · does not support Square.

Recoup

Square-native recovery, flat fee

$29 / $59 / $99 per month · 0% revenue share · keep 100% of what we recover · free tier to start.

What it costs at $3,000/mo recovered

Butter Payments / year

$7,200

Recoup / year (Growth)

$708

You keep

$6,492

Butter Payments takes 20% of everything it recovers, so the bill scales forever. Recoup is flat — the more you recover, the more the gap widens in your favor.

Works with Square

Feature
Recoup
Butter Payments

Native Square integration

Butter is built for Stripe/Shopify — Square is not a supported processor.

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Layers on your existing Square billing (no rip-and-replace)

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Recovers overdue Square Invoices (Square itself never retries these)

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Recovers Square Subscriptions + card-on-file charges

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Recovery + dunning

Feature
Recoup
Butter Payments

Decline-code-aware smart retries

Branded multi-touch dunning email sequence

Send from your own verified domain

Hosted card-update page (PCI SAQ-A)

Late fees on overdue invoices

On the roadmap
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SMS dunning

On the roadmap

One-click win-back / reactivation

On the roadmap

Recovery analytics + attribution ledger

Pricing

Feature
Recoup
Butter Payments

Model

Flat monthly
% of recovered

Starting price

$29 / mo
~20% of recovered

Revenue share

0%
~15–30%

Free tier

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Where Butter Payments wins

Butter's ML retry engine is genuinely good, it's fully hands-off, and 'you only pay when we recover' is an easy yes for a Stripe team. If you're on Stripe and want a fully-managed, performance-priced engine, Butter is a strong pick. But it doesn't touch Square, and its rev-share scales with your success — the more you recover, the more you pay, with no ceiling. (Butter's exact % is set per account; ~20% is a representative figure.)

On Square? This is the one built for you.

Connect Square read-only and see your recoverable revenue in ten minutes — no rip-and-replace, no rev share.

Start free