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

live_mode_test_cardDo not retry

Stripe decline code: Live mode test card

A test card was used against live mode.

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 card number was submitted to a live-mode charge, which is rejected.

Why it happens

A test card leaked into a production flow. Often a misconfiguration or a stale form default.

Can you retry it?

An integration issue, not a customer problem. Make sure production collects real cards and never falls back to test numbers.

Recovery playbook

1Audit the checkout for hard-coded test numbers.
2Confirm live keys are in use in production.
3Require real cards in live mode.
4No customer dunning. Fix the integration.

How Reecova handles live_mode_test_card

Reecova marks live_mode_test_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 live_mode_test_card 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.

testmode_decline

A Stripe test card was declined on purpose.

testmode_charges_only

The card can only be charged in test mode.