insufficient_funds
Insufficient funds
insufficient_funds is the most recoverable Stripe decline. When to wait for Stripe's retry, when to email, and the exact recovery email to send.
Read the guideRecovery guides, one Stripe decline reason at a time.
Each guide covers what the decline means, when Stripe's own retries will fix it, when they won't, and the exact email that recovers the payment — the same templates MRRdue ships in product.
expired_card
Card expired
Expired cards won't fix themselves with retries. How to get customers to update their card, plus the exact recovery email template and a pre-dunning tactic.
Read the guideauthentication_required
Authentication required
3D Secure / SCA declines need the customer to act — no retry will fix them. The recovery email that gets authentication completed, and why these cases are urgent.
Read the guidecard_declined
Card declined
The bank said no and won't say why. How to work generic card declines: what to rule out, when to ask for another card, and the recovery email to send.
Read the guidepayment_method_missing
Missing payment method
No card on file means no retry will ever succeed. How subscriptions end up with no payment method, and the email that gets a card attached.
Read the guideFree resource
Recovery email template gallery
Every failed-payment and retention-risk email template MRRdue ships, free to copy — no signup required.
Browse templates