How much are failed payments costing your business?

It varies by business model and subscriber mix. Recurly's published benchmarks put typical decline rates at 5-14% of monthly transactions for B2B subscription businesses and 6-18% for B2C. The calculator defaults inside that range; sources are cited at the bottom of this page.

It's a benchmark-based estimate, not your number. The calculator multiplies your MRR by an industry-benchmark failure rate, so it shows the order of magnitude — your real rate depends on your card mix, billing cadence, and subscriber geography. For your actual figure, run the free audit: it reads your last 90 days of failed invoices straight from Stripe.

No — some failed payments recover on their own through card retries, and the rest stays recoverable while the subscription is still active. The point of the estimate is exposure: how much revenue enters the failure funnel each month. What comes back depends on whether anyone reaches the end-customer with a way to fix their card.

Run the free failed-payment audit. You create a restricted read-only Stripe key, paste it in, and get a report of your last 90 days of failed payments — total volume, what card retries recovered, and what's still open right now. No signup, and the report renders in the page.

Partly. Stripe Smart Retries re-attempts the same card on file for roughly three weeks, which resolves transient declines. It can't help when the card is expired, replaced, or blocked — those need the end-customer to put a new card on file, which requires reaching them. That communication layer is what Mendworthy adds.