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

service_not_allowedDo not retry

Stripe decline code: Service not allowed

The card isn't enabled for this purchase type.

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 is not enabled for the type of service or purchase being charged.

Why it happens

Issuer or card-program settings exclude this merchant category or service type.

Can you retry it?

Set at the issuer, so retries don't help. Ask the customer for a card enabled for your service, or verify your merchant category configuration.

Recovery playbook

1Request a card enabled for this purchase type.
2Check your merchant category / product configuration.
3Skip retries on the same card.
4Provide a fast card-switch option.

How Reecova handles service_not_allowed

Reecova marks service_not_allowed 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 service_not_allowed 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.