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

approve_with_idSafe to retry

Stripe decline code: Approve with ID

Name: Reecova
Price: 49.99 USD
Availability: InStock

Authorization needs ID verification; retry may clear it.

Recovery outlook

Safe to retry. A soft decline. The charge can succeed on a later attempt. The win is retry timing, not another immediate hit.

What it means

The charge couldn't be authorized without additional identification on the issuer's side.

Why it happens

The issuer wanted extra verification it couldn't complete in the moment.

Can you retry it?

For online charges there's rarely an ID step you control, so a delayed retry is the practical move; if it persists, ask the customer to check with their bank.

Recovery playbook

1Retry after a delay. The hold is often momentary.
2If it recurs, prompt the customer to contact their issuer.
3Offer an alternate card as a fallback.
4Don't loop retries indefinitely.

How Reecova handles approve_with_id

Reecova classifies approve_with_id as a soft decline and schedules retries with timing tuned to when the charge is likely to clear, instead of a blind fixed-interval retry that hits the same wall. It runs across your whole Stripe account automatically, and shows the dollars each code is costing you.

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

Related decline codes

card_declined

A generic issuer decline with no specific reason returned.

do_not_honor

The issuer refused the charge without a specific reason.

generic_decline

An unspecified decline from the card network or issuer.

try_again_later

A temporary issuer condition; retry shortly.