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What do failed payments cost you?

Involuntary churn is customers lost because a payment failed, not because they chose to leave. Type three numbers from your own books and see what it costs. The formula is on the page; nothing is guessed for you.

At a glance. For a subscription business that wants to price its failed payments. It turns your monthly recurring revenue, the share of payments that fail and the share you win back into a monthly and yearly cost. Every rate is typed by you; the one outside figure cited is a single survey. Last checked 13 November 2026.

Fill in the boxes above and the answer appears here.

Want the real number, not an estimate?

Do not guess: the free revenue scan counts these three numbers from your own Stripe account, with a read-only key you paste once and we forget. FoxPlug then keeps watching them and writes the notes to send; sending is on the paid plans.

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How it is calculated

lost_per_month = MRR x failed_share x (1 - recovered_share) lost_per_year = lost_per_month x 12 what-if (+10 / +25 / +50 points) = MRR x failed_share x (1 - min(100%, recovered_share + points))

It counts one month of revenue per failed payment. A subscriber lost to a failed card also stops paying in every later month, so the real cost over time is higher than this one-month view; this page does not guess how long they would have stayed.

How big is the problem? A 2023 survey of 200 subscription-business executives, reported by PYMNTS, put failed payments at about half of customer churn (read the report). That is one survey of one group; your own account is the only number that counts, and the free scan reads it. Stripe explains its automatic retries on its Smart Retries page.

Questions

Where do I find my failed payment share?

In Stripe, under Billing, Revenue recovery, or by dividing the number of invoices whose first attempt failed by all invoices in a month. The free scan on this site counts the unpaid ones from your own account.

Why no default percentages?

Because a default would be an invented statistic. Every number here is one you typed.

More free tools: all tools. Where to find the connect steps for your payments tool: Stripe, Lemon Squeezy, Paddle.

Want a read of your whole site, not just this check?

Paste your site address. FoxPlug reads its public pages and tells you the one thing to fix, the one to say and the one to skip. Free, no account, no card.

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