What is a normal Stripe failed payment rate for SaaS?

Early SaaS teams often see failed payment rates around the low-to-mid single digits. The exact rate depends on customer mix, billing interval, geography, card age, and how Stripe retries are configured.

What should I do after estimating failed MRR?

Review the Stripe decline reasons behind failed invoices, separate recoverable failures from hard declines, check whether customer emails are sent at the right time, and track recovered revenue by failure type.

Public Stripe benchmark

Estimate the failed-payment MRR hiding in Stripe.

Move one slider. See your estimated failed payment rate, MRR at risk, and monthly recovery potential before you connect anything.

Your estimated range

5.8%

Illustrative modelled failed-payment rate for $20k-$80k MRR. A modelled range assumption for growing SaaS businesses.

Enter your estimated MRR

No email required to see the result.

Monthly recurring revenue$24,000

1K100K

Result shown immediately

At $20k-$80k MRR, the benchmark estimates $1,392 in failed MRR each month.

Estimated failed MRR

$1,392

Revenue already attempted but not collected.

Recovery potential

$863

Monthly upside with targeted recovery.

Annualized upside

$10,356

If the leak repeats for 12 months.

Connect Stripe to see your real numbers

Benchmarks by MRR range

The model increases assumed failed-payment rates as MRR grows.

< $5k MRR

A simple starting assumption for the smallest MRR band.

4.2%

$5k-$20k MRR

A modelled step-up for the $5k-$20k MRR band.

5.1%

$20k-$80k MRR

A modelled range assumption for growing SaaS businesses.

5.8%

$80k+ MRR

The modelled upper band used by this product calculator.

6.4%

Benchmark methodology

Use the estimate as a first pass, then inspect Stripe by failure reason.

The calculator starts with MRR because it is the number most founders know before they export Stripe data. Dunlo then applies a failed-payment rate by SaaS stage and a conservative recoverability assumption. Your real number will move with billing interval, plan price, customer geography, card age, and whether Stripe Smart Retries, failed-payment emails, and payment update links are already configured.

The public calculator uses product modelling assumptions for an illustrative estimate, not a measured dataset or guarantee of recovery.
Modelled failed-payment rates by MRR band are 4.2%, 5.1%, 5.8%, and 6.4%; they are illustrative product assumptions, not measured averages.
Recovery potential applies a 62% illustrative modeled recovery assumption to failed MRR; real results vary with decline-code mix, card age, geography, billing interval, retry settings, and email quality.
The connected-product benchmark should replace this estimate once Stripe data is available.

What to check after the benchmark

Export failed invoices and group them by Stripe decline code, not just total failed amount.
Separate soft declines like insufficient funds from hard declines that need a new payment method.
Compare failed MRR, recovered MRR, and churned MRR so recovery is measured as revenue, not email activity.

Keep building your Stripe recovery workflow.

MRR at risk

Understand the metric behind failed revenue before it becomes churn.

Stripe failed payments

Turn the benchmark into a recovery workflow for failed invoices.

Stripe dunning

Build the email and retry sequence around the failure context.

Involuntary churn calculator

Estimate the payment-failure churn hiding inside failed invoices.