Free Payment Audit
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Quick answer
The audit takes ~30 seconds, requires read-only Stripe access, and returns a report of failed-payment exposure and recoverable revenue. Tokens are deleted after the scan. No signup required.
What you'll get
See exactly how much money failed payments cost you in the last 90 days.
Understand why payments fail: expired cards, insufficient funds, declines, and more.
See how much Rebounce could recover with smart retries, emails, SMS, WhatsApp, cancellation flows, win-back campaigns, and Apple Pay / Google Pay.
Most SaaS founders know they lose money to failed payments but cannot quantify it. Stripe's default dashboard shows a churn number; it does not separate voluntary cancellations from involuntary churn (failed payments), and it does not project recoverable revenue. The audit answers four questions:
Total dollar volume of declined charges on subscriptions, broken down by month so you can see the trend. We strip out one-time charges and refunds so the number reflects recurring revenue exposure.
Soft declines (insufficient_funds, processing_error, try_again_later) vs hard declines (expired_card, incorrect_number, stolen_card) vs authentication (authentication_required) vs fraud (fraudulent). Each bucket has a different recovery strategy.
Based on industry recovery rates per decline category, we project a recoverable dollar amount for the next 12 months if you implement smart retries plus multi-channel dunning. Soft declines are the biggest opportunity; fraud declines are the smallest.
If you are on Stripe's default Smart Retries, the audit shows the gap between Stripe's ~38% baseline recovery and what a dedicated tool would recover with email + SMS + WhatsApp + checkout recovery + cancellation flows.
The audit is deterministic, not a black box. Here is exactly what we pull from Stripe and how we use it:
Step 1 - Pull failed charges
We list charges.list with status=failed for the last 12 months, paginated. We filter to charges linked to a subscription or invoice so one-time payments do not pollute the dunning analysis.
Step 2 - Classify by decline code
Each failed charge has failure_code and outcome.reason. We map them to the four canonical buckets (soft / hard / authentication / fraud) using the same taxonomy as our decline-code reference.
Step 3 - Detect recovered revenue
For each failed charge, we check whether a subsequent successful charge exists on the same customer for the same invoice or subscription within 30 days. If yes, we mark it as "recovered." This gives a real, observed recovery rate for your account, not a generic estimate.
Step 4 - Project the gap
We apply industry-typical recovery rates per category (ProfitWell, Recurly) to your unrecovered failed charges. The difference between your observed recovery rate and the projected rate is the "recoverable revenue" number on the report.
Soft declines dominate the loss
Roughly 60% of failed charges are insufficient_funds or processing_error - both retry-recoverable. SaaS without retry chains leave most of this on the table.
Stripe's default retries miss the right window
Stripe Smart Retries are tuned for marketplaces. For subscription SaaS, retrying at days 3, 5, and 7 - not Stripe's defaults - lifts recovery materially.
Email-only dunning misses ~40% of customers
Inbox placement is the #1 silent killer. SMS and WhatsApp open at 90%+ vs 20-30% for cold dunning emails.
Card-update flow is missing or broken
If the "update payment" link expires or asks for re-login, customers bounce. A branded, JWT-authenticated update page lifts hard-decline recovery by 25-45%.
Yes. You connect Stripe with read-only OAuth, the scan runs, and you get the report at a unique URL. No email collection, no signup, no credit card. The OAuth tokens are deleted immediately after the scan completes.
Read-only on customers, charges, invoices, subscriptions, and balance transactions. No write scopes. Rebounce cannot create charges, refunds, or send emails to your customers from the audit OAuth scope.
No. The audit is read-only and runs against historical Stripe data. No retries are attempted, no emails are sent, no webhooks are registered, and no charges are created or modified. Your customers see nothing.
The estimate is based on industry recovery rates per decline category: ~70% recoverable on soft declines (insufficient_funds, processing_error), ~10-30% on authentication (3DS) declines, ~25-45% on hard declines via card update flows, and 0% on fraud declines. We compute against your actual decline mix, not a generic average.
Yes. The report lives at a unique URL you can share. We do not display PII (customer names or emails) on the report - just aggregates by decline code, plan, and time period.
OAuth tokens are deleted within seconds of the scan completing. The aggregated report (no PII) is retained for 90 days at the unique URL, then purged. You can request immediate deletion at any time by emailing privacy@rebounce.dev.