How much revenue do SaaS companies lose to failed payments?

On average, SaaS companies lose 5-9% of their MRR to failed payments (involuntary churn). Most founders underestimate this by 3x. Reecova's free scanner shows your exact number in 30 seconds.

How does Reecova recover failed payments?

Reecova uses a smart retry engine that analyzes failure codes and optimizes retry timing (e.g., retrying insufficient_funds on payday). It also runs automated dunning email campaigns to prompt customers to update payment methods.

Is the free scanner safe to use?

Yes. The scanner uses Stripe's read-only OAuth, auto-revokes access immediately after scanning, and stores no Stripe account data. Results are cached for 24 hours then deleted.

How much does Reecova cost?

Reecova is $49.99/month plus 10% of recovered revenue. There's a 14-day free trial with no credit card required. You only pay the recovery fee on revenue we actually recover for you.

All decline codes

authentication_requiredNeeds customer action

Stripe decline code: Authentication required

The charge needs 3D Secure authentication.

Recovery outlook

Needs customer action. The card or account details need to change, or the customer must clear something with their bank. Recovery runs through dunning, not blind retries.

What it means

The issuer requires 3D Secure (SCA) authentication for this charge, and it was attempted without a completed authentication.

Why it happens

Regulations like PSD2/SCA in Europe require the cardholder to authenticate. Off-session subscription charges can hit this when no prior authentication is on file.

Can you retry it?

You can't silently retry. The customer has to authenticate. Move the charge on-session (or send an authentication link) so they can complete 3D Secure, then future off-session charges can proceed.

Recovery playbook

1Send the customer an authentication (3DS) link to complete the payment.
2Set up off-session authentication so renewals don't re-trigger it.
3Use Stripe's SCA-ready flows for European cards.
4Don't blind-retry. It will fail the same way without auth.

How Reecova handles authentication_required

Reecova flags authentication_required as needing customer action and triggers a dunning sequence to collect an updated card or prompt the bank contact, rather than wasting retry attempts. It runs across your whole Stripe account automatically, and shows the dollars each code is costing you.

See your authentication_required losses free Install from the Stripe App Marketplace →

Related decline codes

invalid_pin

The PIN entered was incorrect (card-present).

pin_try_exceeded

Too many PIN attempts (card-present).

offline_pin_required

The card needs an offline PIN (card-present).

online_or_offline_pin_required

The card needs a PIN to authorize (card-present).