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Payments 3 min read

How to Check Failed Payment Reasons in Stripe

Failed payments cost you revenue every day. Stripe buries the reasons behind clicks and filters. Here’s the 6-step manual way — or skip it entirely with Coby.

Read-only access Works in 2 minutes Free to start
📋 Manual: ~15 min vs ⚡ Coby: 3 seconds
📋
The Manual Way ~15 min
Coby
Or just ask Coby ~3 sec
1

Open the Stripe Dashboard

Navigate to dashboard.stripe.com and go to the Payments section.

2

Filter by Failed Status

Click the status filter and select Failed. This shows all payment attempts that didn’t go through.

3

Check Individual Failures

Click into each failed payment to see the decline code (e.g., card_declined, insufficient_funds, expired_card).

4

Export Failed Payments

Download the filtered list as CSV. The decline_code column contains the reason for each failure.

5

Categorize Failure Reasons

In your spreadsheet, group by decline code. Common reasons: insufficient funds, expired card, do not honor, fraud block.

6

Calculate Revenue Impact

Sum the amounts of failed payments to see total revenue at risk. Identify repeat failures for dunning opportunities.

⏱
Total time per check
~15–20 minutes

Stripe Documentation

Decline Codes Reference → Smart Retries Documentation → Exporting Data from Stripe →
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Team Coby

Online — watching your Stripe
Why are payments failing?
Coby
Failed payments analysis Last 7 days
Revenue at risk
$3,240
from 28 failed attempts
💳 Insufficient funds12 (43%)
⏰ Expired card8 (29%)
🚫 Do not honor5 (18%)
🛡️ Fraud blocked3 (11%)
⚡ Answered in 2.3 seconds
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Skip the spreadsheet gymnastics

Install Coby on Stripe and ask anything — like a teammate who never sleeps.

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What merchants are saying
★★★★★
"I used to spend Monday mornings pulling Stripe reports. Now I just ask Coby and get back to building product."
JM
Jake M.
Founder, SaaS ($50K MRR)
★★★★★
"Coby flagged a billing issue that was causing involuntary churn we didn't even know about. Saved us $2K/month."
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Sarah R.
Head of Ops, eCommerce
★★★★★
"It's like having a payments analyst on the team without the $80K salary. The daily digest alone is worth it."
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David K.
CTO, Subscription Platform

What you can do with Coby

Your AI teammate for everything Stripe. Ask questions, get alerts, automate reports.

💬

Ask anything in plain English

Revenue trends, failed payments, dispute rates, churn analysis — just type your question like you’d ask a colleague.

📊

Daily & weekly digests

Get automated reports delivered to Slack or email. Know what happened overnight before your first coffee.

🔔

Smart alerts

Coby watches your Stripe 24/7 and pings you when something needs attention — spikes in declines, unusual refunds, churn patterns.

📈

Revenue intelligence

MRR, ARR, churn rate, expansion revenue — tracked and explained without building dashboards or exporting CSVs.

🛡️

Dispute & fraud monitoring

Track dispute trends, identify risky patterns, and get recommendations to reduce chargebacks before they hurt.

⚡

Works inside Stripe

No new tabs. No separate login. Coby lives in your Stripe dashboard as a native app — right where you already work.

Related guides

❓
How to Track Customer Churn in Stripe →
❓
How to Compare Month vs Month Revenue in Stripe →
❓
How to Calculate MRR in Stripe →
❓
How to See Dispute Rate Trends in Stripe →
❓
How to Track Revenue by Product in Stripe →
❓
How to Check Your Stripe Fees Breakdown →

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