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

pin_try_exceededDo not retry

Stripe decline code: PIN try exceeded

Too many PIN attempts (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 allowed number of PIN attempts was exceeded, so the issuer blocked further tries.

Why it happens

Repeated wrong PINs at a terminal locked the card's PIN. It's a card-present scenario, uncommon online.

Can you retry it?

The customer must resolve the PIN lock with their bank. For online billing, ask for a different card rather than retrying.

Recovery playbook

1Ask the customer to unlock the PIN with their issuer.
2For online charges, request an alternate card.
3Don't retry against the locked card.
4Offer a quick payment-method switch.

How Reecova handles pin_try_exceeded

Reecova marks pin_try_exceeded 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 pin_try_exceeded 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).

offline_pin_required

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

online_or_offline_pin_required

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