“Can a human-assisted, white-label payment recovery service reduce involuntary subscription churn better than automated dunning software alone?”
Gravy Solutions (dba of Payment Saver, LLC) was founded to solve involuntary churn — the loss of subscription customers due to failed payments rather than deliberate cancellation. Unlike pure-software dunning tools, Gravy built a hybrid model pairing US-based retention specialists with technology that integrates directly into payment processors such as Stripe. The company is positioned as an outsourced white-label customer retention service rather than a self-serve SaaS product. Its embedded finance angle is narrow: it piggybacks on existing PSP integrations (Stripe) to identify and recover failed payments on behalf of clients.
Gravy discloses Evolve Bank & Trust as its banking provider, according to the Embedded Finance Index 2026.
Gravy does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.
Gravy processes payments through Stripe.
The Embedded Finance Index 2026 maps 3 layers in Gravy's stack: Payments / PSP (Stripe); Banking / BaaS (Evolve Bank & Trust); Sponsor bank (Evolve Bank & Trust).
Gravy is founded in 2018 and headquartered in United States.
Gravy has raised $4.5M in total (latest round: Series A, February 2021).
Get a read on where your own stack stands against Gravy and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.