Free tools

Tools for failed Stripe payments

Four free tools for working out what your failed subscription payments are costing you and what to do about them. No signup, no email wall, and nothing you type is stored or sent anywhere.

Stripe decline codes explained

All 48 documented card decline codes, what each one means, and Stripe's recommended next step. Includes the nine hard codes where a retry can never execute, and the reason Stripe keeps retrying expired cards pointlessly.

Open the reference →

Retry schedule builder

Pick a decline reason and get a retry and email schedule suited to it, plus a straight answer when retrying will not help at all. Shows what Stripe's own default already does first.

Build a schedule →

Dunning email generator

Write the failed payment email that matches what actually went wrong. Pick the decline reason and sequence position, get subject lines and body copy you can paste straight into Stripe or your ESP.

Generate an email →

Recovery cost estimator

Estimate what failed payments cost you per month and per year, and compare what every recovery tool would charge at that volume. It will tell you when a competitor is cheaper, and when no tool is worth buying.

Run the numbers →

Start with Stripe's own settings. Before any of these, check that Smart Retries and failed payment emails are switched on in your Stripe dashboard. They are free, they are genuinely capable, and for plenty of businesses they close most of the gap. The Stripe comparison page covers exactly what you already have.

Why these are free and unglamorous

Every one of these tools will, in some circumstances, tell you not to buy RecoverFlow. The estimator names a cheaper competitor when there is one. The retry builder tells you when the fix is an email rather than a product. The decline reference is just accurate information about Stripe with no pitch attached.

That is deliberate. RecoverFlow launched in July 2026 and has no customers to point at yet, so the only thing worth trading on is being accurate about a topic most content in this category gets wrong. If the tools are useful and the numbers are honest, that is a better argument than a testimonial we do not have.

What is not here yet

A churn calculator is the last item on the masterplan list. It overlaps heavily with the recovery estimator, which already computes annual loss, so it will most likely be folded into that page rather than published as a near-duplicate that competes with it in search.

If there is something you would actually use, email admin@recoverflow.org and it will probably get built.

Or skip the estimating entirely

Connect your Stripe account and RecoverFlow reads your real last 90 days of failed invoices: what failed, why, and what was recoverable. Free, no card, one click to disconnect.

Run the free 90 day scan