Your biggest accounts don't churn on a call — they churn when a renewal silently declines and nobody notices until the seat's already gone. DeclineShield surfaces failed renewals by contract value and gets the billing contact a one-click Stripe update link while the deal is still savable.
Read-only Stripe access. No card data stored. No changes made to your account.
Their finance team got reissued corporate cards last month, so the card on file is dead. Stripe attempts the annual charge — declined. Stripe's default email lands in a shared AP inbox nobody reads. Smart Retries try the same dead card a few more times, then give up.
Three weeks later the subscription cancels. You find out when your champion doesn't show up to the QBR. Now it's a win-back, not a renewal — and the number quietly went into your churn column, as if they chose to leave.
They didn't choose to leave. A card failed, and no one caught it in time.
Most of these are true for SaaS teams that have never looked. Tick the ones that sound like you.
Industry-wide, 20–40% of subscription churn is involuntary — revenue you already earned, lost to a payment that quietly failed.
On annual and high-seat plans, the failure modes are specific — and every one of them is fixable if you catch it in time.
Finance rotates cards; the one on file dies silently and the next annual charge declines.
Banks flag big annual amounts as suspicious and block them until the cardholder confirms.
The authentication prompt never reaches the person holding the card, so the charge fails.
Procurement cards cap out before a large renewal clears — a temporary limit, a permanent loss.
The cardholder isn't the person who gets the dunning email, so the right human never sees it.
Automatic retries hammer the same dead card, then stop — and the subscription lapses.
On a €12,000/year plan, a single uncollected renewal is €1,000 of MRR written off as churn. Recover just three a quarter and that's €36,000 of ARR you'd otherwise never have counted — usually from customers who wanted to stay.
Failed renewals sorted by how much revenue is at stake, so you act on the marquee accounts first — not whatever failed most recently.
The billing contact gets a one-click link to replace the card through Stripe — fixed in hours, no card data touched, no Stripe writes from us.
See exactly how much annual revenue you saved, which renewals recovered, and what's still at risk — without a spreadsheet.
Before you commit, the free audit analyzes ~90 days of your Stripe payment failures and shows exactly where renewal revenue is leaking.
Request your free auditCatch failed recurring charges before a member's access lapses.
CoursesCollect every installment on payment plans and memberships.
SubscriptionsKeep recurring orders charging before the next cycle ships.
Run a free, read-only audit of the last 90 days of Stripe failures and find the renewal revenue hiding in your account.