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

not_permittedDo not retry

Stripe decline code: Not permitted

The issuer doesn't allow this type of payment.

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

The issuer does not permit this transaction type on the card.

Why it happens

The card is restricted from certain transaction types. For example, a card blocked from recurring or online charges.

Can you retry it?

The restriction is set by the issuer, so retrying won't change it. Ask the customer for a card that allows the payment type you need (e.g., a card that supports recurring billing).

Recovery playbook

1Request a card that permits this transaction type.
2Confirm the card supports recurring/online charges if that's your model.
3Don't retry the restricted card.
4Route the customer to a quick card-switch flow.

How Reecova handles not_permitted

Reecova marks not_permitted 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 not_permitted 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.