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

issuer_not_availableSafe to retry

Stripe decline code: Issuer not available

The issuing bank couldn't be reached.

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

Stripe couldn't reach the issuing bank to authorize the charge, so it couldn't be approved.

Why it happens

The issuer's authorization system was temporarily unreachable. An outage or network problem, not a card decision.

Can you retry it?

Purely temporary. Retry once the issuer is back online; a short backoff is all that's needed. No customer action required.

Recovery playbook

1Retry after a delay to let the issuer recover.
2Back off progressively if the outage lingers.
3Avoid mass simultaneous retries during an outage.
4Notify the customer only if it stays down for a long window.

How Reecova handles issuer_not_available

Reecova classifies issuer_not_available 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 issuer_not_available 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.