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

testmode_declineDo not retry

Stripe decline code: Test mode decline

A Stripe test card was declined on purpose.

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

A Stripe test-mode card triggered a deliberate decline. This only appears in test mode.

Why it happens

You (or a test) used one of Stripe's magic test cards designed to simulate a decline.

Can you retry it?

Nothing to recover. It's a test. Confirm you're using live keys and a real card in production; switch to the appropriate test card to simulate success.

Recovery playbook

1Confirm you're in the intended mode (test vs live).
2Use a success test card to simulate an approval.
3Ensure production uses live keys and real cards.
4No customer-facing recovery needed.

How Reecova handles testmode_decline

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

Related decline codes

processing_error

A temporary error occurred while processing.

invalid_amount

The charge amount is invalid or over a limit.

live_mode_test_card

A test card was used against live mode.

testmode_charges_only

The card can only be charged in test mode.