See how your recovery rate compares to similar SaaS. Enter your failed payment rate and monthly revenue to estimate the recovery opportunity hiding in Stripe declines.
Public SaaS baseline
~5.0%
Based on public Stripe and ProfitWell baselines while Dunlo builds an anonymized benchmark from beta users.
Mini calculator for Stripe SaaS subscriptions.
You're above the ~5% industry average
At your MRR level, that's approximately $115/mo in recoverable revenue.
Biggest opportunity
insufficient_funds typically averages 1.9%
Empathetic retry notice. Let them know you will try again later.
Hardcoded Phase 1 public baselines.
Stripe SaaS average
card_expired
The saved card is past its expiry date.
Average
~0.8%
Recoverable
63%
insufficient_funds
The bank declined because funds or credit were not available.
Average
~1.9%
Recoverable
31%
do_not_honor
The issuing bank blocked the charge for a private reason.
Average
~0.7%
Recoverable
44%
card_declined
Stripe returned a generic decline without a precise customer-safe reason.
Average
~1.6%
Recoverable
28%
Recovery playbook
card_expired
Card expired
Meaning: The saved card is past its expiry date. The customer probably has no idea anything broke.
Email: Friendly card-update note with a one-click billing link.
Timing: Send immediately on day 0. Do not make it sound urgent or accusatory.
insufficient_funds
Insufficient funds
Meaning: The bank declined because funds or credit were not available. The customer may know cash is tight or may be waiting for a reset.
Email: Empathetic retry notice. Let them know you will try again later.
Timing: Wait at least 3 days before retrying. Do not demand a card update as the first response.
do_not_honor
Do not honor
Meaning: The issuing bank blocked the charge for a private reason. The card can work elsewhere, which makes this feel confusing.
Email: Explain the bank block and offer two fixes: call the bank or use another card.
Timing: Send on day 0 before another retry. Do not retry repeatedly without customer action.
card_declined
Card declined
Meaning: Stripe returned a generic decline without a precise customer-safe reason. The customer has little useful context and needs options.
Email: Conservative dual-option email: approve with bank or add another card.
Timing: Send on day 1 after one clean delayed retry window. Do not pretend you know the exact cause.
Phase 2
Connect Stripe to see your real failure-code mix, recoverable revenue, and best next email sequence. Dunlo is free during beta.