Failed payment calculator

How much are failed payments
quietly costing you?

Most subscription businesses lose 5–15% of every month's charges to failed first attempts — expired cards, insufficient funds, bank declines. Put in two numbers and see what that likely means for you, and what a dedicated recovery layer could win back. No email, no signup, nothing stored.

Stripe Smart Retries, Shopify's retry schedule, or your app's built-in retries.

Nothing you type here is stored or sent anywhere. The estimate is calculated on this page, from published industry benchmarks — the same model as our ChatGPT leak estimator.

Your estimate

Example — put in your own numbers

Of your $20,000 in monthly charges, an estimated $1,000 – $3,000 fails on the first attempt each month.

With your current setup, roughly $600 – $2,250 a month likely never comes back (assumes your setup recovers 25%–40% of failed value).

Estimated recoverable with Swipe Again, every month

$450 – $1,800 /mo

$5,400 – $21,600 a year — an estimate from published benchmarks, not a measurement of your account.

On Stripe, the native baseline usually means Stripe Billing's automatic retries (Smart Retries) and its automatic card updates. Anything beyond that - decline-specific retry logic, branded dunning messages, a hosted card-update page - is a separate recovery layer.

Run it on my last 90 daysSee the live demo

Connecting takes about two minutes — one click for Stripe, a short key paste for other platforms — and your last 90 days of failed payments load automatically. 14-day free trial, card upfront. Recover $179 in 30 days, guaranteed — or Swipe Again is free the next 30 days.

How this estimate works

This is a planning estimate from published industry benchmarks — the same model as our ChatGPT leak estimator — not a measurement of your account. The real number for your business comes from your own billing history: connect your platform and Swipe Again loads your last 90 days of failed payments automatically, so you see actual failures, actual decline codes, and actual dollars before the trial clock matters.

  • Assumption 1 - First attempts: 5%-15% of monthly recurring charge value fails on the first attempt. (Published range for card payment failure rates is 5%-18% - GoCardless SaaS payments datasheet; PYMNTS Intelligence puts the average share of sales lost to failed payments at ~9%; 2026 subscription benchmarks put median first-attempt failure at ~14%.)
  • Assumption 2 - Recovery with a dedicated recovery layer: 45%-60% of failed value is recovered when decline-aware smart retries, automatic card updates, dunning messages, and a hosted card-update page are in place. (PYMNTS Intelligence: top-performing subscription merchants recover ~60% of failed payments; Access PaySuite research: ~44% of failed transactions are recovered across mixed practices.)
  • Assumption 3 - Baseline recovery depends on what you already have: no recovery process 5%-15% (incidental self-resolution only); processor native retries only 25%-40% (low end of the 28%-64% first-cycle recovery range in 2026 subscription benchmarks); dedicated recovery tool 45%-60%.
  • Assumption 4 - Additional recoverable is modeled on paired scenarios, not outer extremes multiplied together: a portfolio at the low end of its current recovery range is modeled at the low end of the dedicated range too. On that basis a dedicated layer adds about 15-25 points of recovery over processor-native retries alone, and about 40-45 points over no recovery process at all. If you already use a dedicated recovery tool, remaining headroom is modeled as 0%-5% of failed value (configuration differences only).
  • These are planning estimates from published industry benchmarks, not a measurement of your account. Your actual rates depend on your customer mix, card networks, and billing configuration.

This estimator does not connect to any billing account, cannot see or recover actual payments, and does not store the figures entered. It is not financial advice.

Swipe Again is failed-payment recovery plus cancel deflection for subscription businesses — one flat $179/mo, no percentage of recovered revenue, no per-seat pricing.