Small SaaS on Stripe: is $49/mo the right floor for a dunning tool, or does it need to be $19?

Building Nanokept (Coming Soon here on PH) - self-serve dunning for small SaaS in the $3k-$30k MRR band.

Landing page went up this week at nanokept.com.

The one pricing question I keep going back and forth on is the floor tier.

Current plan: $49 / $149 / $349 per month by merchant MRR band, never a percentage of recovered revenue. Deliberately set below Churnkey's $3k/year minimum and above the "not a serious tool" zone. But for a SaaS doing $1k-$3k MRR that's losing maybe $30-60/mo to failed cards, $49 pays for itself but still feels like a big chunk of that tier's ops budget. A few founders I've talked to said $19 felt more like the impulse-buy zone.

The tradeoff I see: $19 might drive signups but also attracts SaaS that are too small to really benefit, and it crushes the margin. $49 filters for merchants who actually lose enough to care.

For PH folks running SaaS on Stripe: which feels right, and why? Not fishing for validation, asking because I want to ship the right floor before launch.