Sentie +
Stripe

Stripe Powers Payments. Sentie Powers the Operations Around Them.

Stripe handles payment processing exceptionally well. But the operational work that surrounds payments - monitoring for anomalies, managing failed charges, preventing involuntary churn, reconciling revenue, and maintaining billing accuracy - still requires significant human attention. Your finance team reviews disputed charges manually. Your support team fields billing inquiries one at a time. Your operations team builds spreadsheet models to forecast MRR.

Stripe's built-in tools like Radar and Billing are strong foundations, but they operate within Stripe's own ecosystem. They don't connect payment events to customer behavior in your CRM, support ticket history, or product usage data. A customer whose payment fails might be experiencing a temporary card issue, or they might be a churn risk who hasn't logged in for three months. The appropriate response is completely different, but Stripe alone can't tell you which scenario you're dealing with.

Sentie agents bridge this gap by connecting Stripe data with context from across your business. They monitor payments, manage subscriptions, detect fraud patterns, and generate revenue intelligence - all while coordinating with your CRM, support platform, and communication tools. The result is a payment operation that runs intelligently rather than reactively.

Proactive Payment Monitoring and Fraud Detection

Stripe Radar catches a significant percentage of fraudulent transactions, but it works primarily on transaction-level signals. It evaluates each charge independently using card fingerprinting, address verification, and behavioral heuristics. What it misses are the cross-account patterns and business-context signals that indicate sophisticated fraud or emerging risk.

Sentie's payment monitoring agents layer additional intelligence on top of Radar. They track patterns across time: a customer who suddenly upgrades to your highest tier after months of inactivity, a series of small charges from different cards hitting the same account, or a geographic shift in purchasing patterns that doesn't match the account's history. These signals are individually ambiguous but collectively indicative of account takeover, card testing, or subscription fraud.

When the agent identifies a suspicious pattern, it doesn't just flag it. It assembles a risk brief with the relevant data points, the historical baseline for comparison, and a recommended action. Your team can approve the recommendation with one click or override it with context the agent didn't have. Over time, the agent learns from these decisions and refines its detection model for your specific business. This feedback loop means your fraud detection improves continuously rather than relying on static rules that criminals learn to circumvent.

Subscription Management and Churn Prevention

For SaaS and subscription businesses, involuntary churn from failed payments is one of the most frustrating sources of revenue loss. Industry data suggests that 20-40% of subscription churn is involuntary, caused by expired cards, insufficient funds, or bank declines rather than a conscious decision to cancel. Stripe's Smart Retries help, but they're a blunt instrument that retries charges on a fixed schedule without context about the individual customer.

Sentie's subscription agents take a personalized approach to payment recovery. When a charge fails, the agent evaluates the customer's profile: their tenure, plan value, engagement level, past payment history, and the specific decline reason. A loyal enterprise customer with a temporarily declined corporate card gets a different treatment than a trial user whose prepaid card was rejected. The agent selects the optimal retry timing, communication channel, and message tone for each scenario.

Beyond recovery, the agents monitor for voluntary churn signals in advance. They correlate Stripe billing data with product usage from your application, support ticket volume, and engagement metrics. When a customer shows the classic pre-churn pattern of declining usage, increasing support contacts, and approaching a renewal date, the agent alerts your customer success team with a complete risk assessment and recommended intervention. This proactive approach catches at-risk accounts weeks before the cancellation event, when you still have time to address the underlying issue.

Revenue Analytics and Financial Intelligence

Stripe's dashboard provides solid transactional reporting, but building the revenue intelligence that leadership needs for strategic decisions requires significant additional work. Calculating true MRR means accounting for upgrades, downgrades, expansions, contractions, and proration. Cohort analysis requires matching customer acquisition dates with revenue trajectories. LTV calculations need to factor in support costs and churn probability. Most finance teams spend hours each week in spreadsheets stitching this together.

Sentie's revenue analytics agents automate this entire workflow. They maintain a continuously updated view of your key SaaS metrics: MRR, ARR, net revenue retention, expansion revenue, contraction, churn rate, LTV, CAC payback period, and cohort performance. The numbers update in real time as Stripe processes transactions, so your metrics are always current rather than a week behind.

More valuable than the dashboards are the insights the agents surface proactively. They identify trends before they become obvious: a pricing tier that's losing customers faster than others, a customer segment with unexpectedly high LTV, a geographic market where expansion revenue is accelerating. These insights are delivered to your leadership team on schedule or on demand, with supporting data and recommended actions. Your CFO gets the financial intelligence they need without your ops team spending half their week building reports.

Billing Automation and Dispute Management

Billing operations involve more manual work than most companies realize. AI invoicing and billing tasks like invoice customization, tax calculation verification, credit application, refund processing, and proration handling all require human judgment that standard automation can't replicate. And when disputes arise, the evidence collection and response process is tedious and time-sensitive, with a 7-day window for initial response that's easy to miss during busy periods.

Sentie's billing agents handle the routine operations automatically. They apply credits and adjustments based on predefined policies. They verify tax calculations against jurisdiction requirements and flag discrepancies. They process refund requests by evaluating the customer's history and the reason for the request against your refund policy, approving straightforward cases and escalating edge cases with a recommendation.

For disputes and chargebacks, the agent's value is particularly clear. When a dispute is filed, the agent immediately gathers relevant evidence: the original transaction details, delivery confirmation, customer communication history, terms of service acceptance, and prior interaction records. It assembles this into a structured response formatted for the card network's requirements and either submits it automatically or queues it for your team's review. Response time drops from days to hours, and win rates improve because the evidence package is comprehensive and consistently formatted. For businesses processing thousands of transactions monthly, this automation can recover tens of thousands in disputed charges annually.

What You Can Automate