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

expired_cardNeeds customer action

Stripe decline code: Expired card

The card's expiration date has passed.

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 card on file is past its printed expiration date, so the issuer won't authorize new charges against it.

Why it happens

Cards expire on a fixed cycle. Subscriptions outlive the card that started them, so this is one of the most common causes of involuntary churn.

Can you retry it?

No retry will help. The number needs new expiry details (usually a reissued card). The highest-leverage fix is proactive: catch upcoming expirations before the renewal and prompt the customer, or lean on network card-updater services where available.

Recovery playbook

1Don't retry the same expired card. It can't succeed.
2Pre-dunning wins here: warn customers before the card expires.
3Send a branded update-card email with a one-click link on failure.
4Use automatic card updater (via the network) to catch reissued cards.

How Reecova handles expired_card

Reecova flags expired_card 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.

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

Related decline codes

incorrect_cvc

The CVC security code didn't match.

incorrect_number

The card number entered is invalid.

invalid_account

The card or account no longer exists at the issuer.

new_account_information_available

The card was replaced; updated details exist.