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

online_or_offline_pin_requiredDo not retry

Stripe decline code: Online or offline PIN required

The card needs a PIN to authorize (card-present).

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 card requires PIN verification (online or offline) that wasn't provided.

Why it happens

A PIN-preferring card at a terminal that didn't capture the PIN.

Can you retry it?

A card-present requirement; for online recurring charges the card isn't appropriate. Ask the customer for a card that works without a PIN.

Recovery playbook

1Request a PIN-free card for online billing.
2Complete PIN entry in card-present flows.
3Skip online retries.
4Offer a card-switch path.

How Reecova handles online_or_offline_pin_required

Reecova marks online_or_offline_pin_required 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 online_or_offline_pin_required losses free Install from the Stripe App Marketplace →

Related decline codes

authentication_required

The charge needs 3D Secure authentication.

invalid_pin

The PIN entered was incorrect (card-present).

pin_try_exceeded

Too many PIN attempts (card-present).

offline_pin_required

The card needs an offline PIN (card-present).