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

testmode_charges_onlyDo not retry

Stripe decline code: Test mode charges only

The card can only be charged in test 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

The card can only be used for test-mode charges and was presented to a live charge.

Why it happens

A test card in a live context, or mismatched keys/mode in the integration.

Can you retry it?

Fix the mode/keys mismatch. There's no customer to recover here. Ensure live mode uses live keys and real cards.

Recovery playbook

1Verify the API keys match the intended mode.
2Remove test cards from production paths.
3Charge real cards in live mode.
4No dunning required.

How Reecova handles testmode_charges_only

Reecova marks testmode_charges_only 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 testmode_charges_only 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.

live_mode_test_card

A test card was used against live mode.