Building a Referral Program for Indie SaaS 2026 — Stripe Coupons + Supabase + Resend

Indie SaaS developers can optimize growth and revenue using Stripe, Supabase, and Resend. A referral program leverages happy users as a sales team through a four-file setup involving SQL migrations and notification emails. Simultaneously, implementing Stripe Dunning addresses involuntary churn, which Baremetrics data suggests accounts for 20-40% of SaaS churn. By automating failed payment recovery via webhooks and recovery emails, developers prevent silent revenue drain caused by expired cards rather than deliberate cancellations.