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

lost_cardDo not retry

Stripe decline code: Lost card

The card was reported lost.

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 card has been reported lost to the issuer, which now blocks charges against it.

Why it happens

The cardholder reported it lost; the issuer disables it and typically reissues a new card.

Can you retry it?

The card is dead and retries are futile (and look bad). The customer needs to supply their replacement card.

Recovery playbook

1Do not retry the lost card.
2Prompt the customer for their replacement card.
3Use card updater to catch the reissue automatically.
4Avoid repeated attempts on reported-lost cards.

How Reecova handles lost_card

Reecova marks lost_card 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 lost_card losses free Install from the Stripe App Marketplace →

Related decline codes

restricted_card

The card is restricted from this use.

security_violation

The issuer declined for a security reason.

fraudulent

The charge was flagged as potentially fraudulent.

stolen_card

The card was reported stolen.