A free check for your Stripe account
See what failed payments are really costing you.
Drop in your Stripe payments export and get the numbers in seconds: money lost to declined cards, refunds and disputes, and the reason behind every decline.
- Runs in your browser
- Nothing is uploaded
- No Stripe login
Your payments, totted up.
Export your payments from Stripe as a CSV and drop the file below. The file never leaves your computer: all the maths happens right here in your browser.
| Why payments failed | Payments | Amount |
|---|
Real money, not vague rates.
- The amount, to the cent.See exactly how much failed, was refunded or went to dispute, and what share of your volume it is.
- The reason behind each decline.Declines are grouped by Stripe's decline reason, so you know which ones a retry can fix and which need a new card.
- Private by design.No sign-up, no Stripe keys, no upload. Close the tab and the data is gone.
What the bank actually said.
Each code tells you what to do next. Some go away with a retry a few days later; others only a new card will fix.
| Code | What it means | What to do next |
|---|---|---|
| do_not_honor | The bank declined without giving a reason. | Ask the customer to call their bank, or use another card. |
| insufficient_funds | Not enough money on the card right now. | Retry in a few days, or ask for another card. |
| expired_card | The card is past its expiry date. | Ask the customer to update their card. |
| generic_decline | A decline with no specific reason. | Ask the customer to contact their bank. |
| incorrect_cvc | The security code didn't match. | Ask the customer to enter the card again. |
| transaction_not_allowed | The card doesn't allow this kind of payment. | The customer calls their bank or uses another card. |
| card_declined | Stripe's general decline error. | Look up the decline code on the payment. |
Also seen: lost_card · stolen_card · processing_error · authentication_required · card_velocity_exceeded
The full decline codes guide · Stripe fee calculator · Answering a dispute
Guide 1 of 3 · The Failed-Payment Recovery Kit
Turn declined cards back into revenue.
A practical, plain-English playbook for businesses that bill with Stripe.
- The Stripe settings that recover money on their own
- Six ready-to-send emails, from "card expiring soon" to "thank you"
- All ten common decline codes, and what to do for each
- A recovery-rate worksheet, a first-week plan and a monthly checklist
Secure checkout by Whop · instant access
Guide 2 of 3 · The Stripe Dispute Evidence Kit
Got a dispute? Answer it properly.
What to do in the first 30 minutes, and what the bank reviewer needs to see. Read the free guide by dispute reason.
- A rebuttal letter and evidence checklist for each Stripe dispute reason, from "fraudulent" to "duplicate"
- How to write a response a bank reviewer can read in a minute
- A prevention checklist to do this week
- An evidence log template and a quick-reference table
Secure checkout by Whop · instant access
Guide 3 of 3 · The Stripe Checkout & Billing Leak Audit
Find the settings that quietly lose you money.
A one-hour checklist to work through with your Stripe Dashboard open.
- Failed-payment retries, emails and 3D Secure links: where each setting is and what to choose
- Let customers update their own card, and stop "I don't recognise this charge" disputes
- Checkout fields, wallets, prices, tax and the fee on your smallest sale
- Stripe test cards to try every failure, a 15-minute monthly check and a fix log
Secure checkout by Whop · instant access
Questions, answered.
Is my payment data uploaded anywhere?
No. The check reads the file inside your browser with JavaScript. Nothing is sent to a server, and nothing is stored after you close the page.
Which file do I need?
Stripe's standard payments export as a CSV (Dashboard → Payments → Export). The check looks for columns like Status, Amount, Amount Refunded, Decline Reason and Disputed Amount.
Is this made by Stripe?
No. It's an independent tool and isn't affiliated with or endorsed by Stripe.
What's in the recovery kit?
Stripe recovery settings explained, a decline-code table with the right action for each, six email templates, a recovery worksheet and checklists. It's general guidance, not financial or legal advice.
What's in the dispute kit?
Step-by-step guidance for answering Stripe disputes: rebuttal letters and evidence checklists for each dispute reason, how to structure your response, a prevention checklist and an evidence log. It can't guarantee you win a dispute, and it's general guidance, not legal advice.
What's in the checkout audit?
A checklist of Stripe settings to review, each with where to find it and why it matters: failed-payment retries and emails, the customer portal, dispute prevention, checkout fields and wallets, prices, tax and fees, Stripe's test cards, a monthly check and a fix log. It's general guidance, not financial, tax or legal advice.