50+ Stripe decline codes. 40+ Braintree codes. All classified, explained, and actionable.
Most recovery tools just tell you a payment was "declined." LostChurn tells you exactly why, whether it can be recovered, and the best strategy to do it.
Recent Classifications
Classification Breakdown
Analyzed
0
Soft
0%
Hard
0%
Codes
210+
Here is how LostChurn transforms cryptic decline codes into actionable intelligence.
do_not_honorSoft DeclineStripebank_errorThe issuing bank refused the transaction without providing a specific reason. This is the most common decline code, accounting for roughly 25% of all failures.
Retry after 24-48 hours. Often succeeds on a different day or time when the issuer re-evaluates.
RefusedSoft DeclineAdyenbank_errorThe issuing bank refused the transaction without specifying a reason. This is Adyen's equivalent of Stripe's do_not_honor code.
Retry after 24-48 hours. Adyen's generic refusal often resolves with different timing.
INSTRUMENT_DECLINEDSoft DeclinePayPalcard_errorThe customer's PayPal payment instrument was declined. This can mean insufficient funds, bank restrictions, or account limitations.
Retry after 24 hours. If it persists, send a card update request.
51Soft DeclineWorldpaycard_errorWorldpay code 51 indicates insufficient funds. The customer's account does not have enough balance to cover the transaction.
Retry aligned to payday cycles (1st, 15th, last day of month). Send a friendly reminder email.
card_declinedSoft DeclineStripebank_errorA generic decline with no further information from the issuer. Could be triggered by velocity checks, geographic restrictions, or temporary holds.
Retry after 24 hours with different timing. If it fails again, escalate to dunning email with card update link.
Showing 5 of 90+ classified decline codes across Stripe and Braintree.
Every decline code is sorted into one of five categories, then tagged as soft (retryable) or hard (terminal).
Issues with the card itself: expired, insufficient funds, invalid number, incorrect CVC.
insufficient_fundsexpired_cardincorrect_cvcinvalid_numberIssuing bank decisions: do_not_honor, card_declined, withdrawal_count_limit_exceeded.
do_not_honorcard_declinedissuer_not_availableFraud-related flags: stolen_card, fraudulent, lost_card, pickup_card. Always terminal.
stolen_cardfraudulentlost_cardpickup_cardPayment network issues: processing_error, try_again_later, network_timeout.
processing_errortry_again_laterreenter_transactionMerchant or integration setup issues: card_not_supported, restricted_card, currency_not_supported.
card_not_supportedrestricted_cardnot_permitted50+ Stripe codes and 40+ Braintree codes, all classified with recovery strategies.
View DocumentationSee which decline codes are hitting your business the hardest, track trends over time, and measure recovery rates per code.
1,247
Total Declines (30d)
68%
Soft Declines
32%
Hard Declines
65%+
Recovery Rate
do_not_honorinsufficient_fundscard_declinedexpired_cardprocessing_errorStart your 14-day free trial and see which decline codes are costing you the most. Get AI-powered recovery strategies from day one.
14-day free trial on all plans. No credit card required.
Automatically retry failed payments at the optimal time using ML-driven scheduling.
Monitor recovery performance, decline trends, and revenue impact in real time.
Proactively notify customers before their cards expire to prevent failures.
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