Find recovery opportunities
Surface failed payments with recent activity, clear amounts, and useful follow-up signals.
stripe
Built for Stripe
Read-only audit
Failed Payment Audit
Audit failed Stripe payments before you pick recovery tactics. See the amount at risk, the available failure signals, which customers should be prioritized, and what to leave alone.
Read-only access
No Stripe changes
No customer messages
A cleaner starting point for failed payment recovery
Failed payment tools work best when you know what problem you are solving. Start with a compact audit, then decide whether retries, dunning, card updates, or account outreach make sense.
Size the revenue risk
See total amount at risk and the share that looks worth a human or automated workflow.
Prioritize the queue
Group customers by risk, failure reason, timing, and whether a retry is likely to help.
Stay read-only
Review the issue without changing Stripe data, sending messages, or triggering retries in v1.
Audit first, then recover
A failed payment report should reduce guesswork. The audit gives finance, support, and RevOps a shared view before anyone chooses a recovery playbook.
1. Read failed payment data
Pull recent failed payments and related customer context from Stripe with read-only access.
2. Bucket the failures
Separate fresh declines, expired cards, insufficient funds, repeated failures, and older noise.
3. Pick the right tactic
Use the audit to choose smart retries, card update prompts, outreach, or no action.
What does a Stripe failed payment audit show?
A failed payment audit organizes unsuccessful Stripe payment attempts by amount, timing, decline signal, invoice state, retry status, and customer context. It supports investigation; it does not predict recovery, contact customers, update payment methods, or retry charges. Failed Payment Audit is planned, its data preview is illustrative, and access requests do not install a released product.
From raw failures to a review queue
The intended workflow reads failed PaymentIntent, payment, charge, and invoice context for a chosen period. It normalizes the available decline code, payment method, attempt count, invoice status, next retry information, customer, currency, and amount without collapsing repeated attempts into unrelated failures. The report can then separate recent retry candidates from failures that need a new payment method, human outreach, or no action. Every row should retain its Stripe identifiers so finance or support can inspect the source record. Totals must stay currency-specific and show the retrieval time because payment and retry state can change after the audit runs.
Read-only permissions and safety boundary
The planned v1 reads payment, invoice, and customer context only. It should not confirm or retry a PaymentIntent, change a dunning schedule, replace a payment method, mark an invoice paid, issue a refund, or send email. This page never connects to Stripe or asks for a secret API key. Audit exports can still contain customer identifiers, failure details, and financial amounts, so access should be limited to people handling revenue recovery. Before authorization, check the exact Stripe permissions and review the Workestic privacy policy. Recovery actions should remain a separate, deliberate workflow with their own approvals.
Decline and retry edge cases
- A decline code is a signal supplied by Stripe or the issuer, not a complete explanation or a guarantee that another attempt will succeed.
- Hard declines generally require a new payment method; scheduling repeated attempts does not make the payment retryable.
- Stripe Billing Smart Retries and custom dunning can operate independently of this report, so “no action” may still have a scheduled platform action.
- Non-card payment methods do not always follow card retry behavior, and a payment failure can be represented differently across invoices and PaymentIntents.
- Network rules limit repeated attempts. The audit must not recommend unlimited retries or treat every failed amount as recoverable revenue.
Who uses the audit, and what to verify
Revenue operations can size and route the queue, accounts receivable can compare invoice and retry state, support can prepare customer-specific follow-up, and engineers can investigate a recurring integration pattern. The report supplies context; the owner of the recovery policy decides whether to wait for Stripe automation, request a new payment method, contact the customer, or close the item.
Use Stripe's card declines guide for decline interpretation and the Smart Retries documentation for hard-decline, scheduling, and webhook behavior.
Request access to Failed Payment Audit
Open the request flow for the planned read-only Stripe audit plugin.