invalid_accountNeeds customer actionStripe decline code: Invalid account
The card or account no longer exists at the issuer.
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 reports the card or the account behind it as invalid. Closed, migrated, or never valid.
Why it happens
Accounts get closed, cards get reissued under new numbers, or a bank migration retires the old account.
Can you retry it?
The card is gone, so retries are pointless. Recovery is a customer-provided replacement card, ideally caught proactively via card-updater services.
Recovery playbook
- 1Stop retrying the dead account.
- 2Request a new card from the customer via dunning.
- 3Enable automatic card updater to catch reissues.
- 4Flag long-inactive cards before the next renewal.
How Reecova handles invalid_account
Reecova flags invalid_account 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.