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

invalid_pinDo not retry

Stripe decline code: Invalid PIN

The PIN entered was incorrect (card-present).

Recovery outlook

Do not retry. A hard or fraud-flagged decline. Retrying wastes attempts and can raise your fraud signals. Flag it and move to a new payment method.

What it means

The PIN provided for the card was wrong. This is a card-present concept and rarely applies to online charges.

Why it happens

A mistyped PIN at a terminal, or a card requiring PIN verification that wasn't satisfied.

Can you retry it?

For online recurring billing this shouldn't occur; if it does, the card isn't suitable for off-session charges. Ask for a different card.

Recovery playbook

1For online charges, request a card that doesn't require a PIN.
2In card-present flows, have the customer re-enter the PIN.
3Don't auto-retry off-session.
4Route to a card-switch prompt.

How Reecova handles invalid_pin

Reecova marks invalid_pin as a hard decline, stops retries so you don't stack fraud signals, and surfaces it for a clean payment-method switch or write-off. It runs across your whole Stripe account automatically, and shows the dollars each code is costing you.

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

Related decline codes

authentication_required

The charge needs 3D Secure authentication.

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).