50% failed rebills on Stripe

[Hippofx]

Hello,

I have a niche trial/rebill SAAS. Not much volume but i am first on my main SEO request.
Rebills on paypal works just fine, but 50% of my stripe's rebills fails... I really dont know why, i use 3DS for the first payment and some banks (usuallly revolut, Boursorama bank, Lydia) just don't process the rebill.
Some rebills are working on revolut tho, so i really don't understand.

Errors code:
Some failed rebills have the "insufficient funds" error, which i understand but some have just "unauthorized payment" or something like it, which is dumb asf cause the "setup_future_usage": "off_session" is just fine in the trial payment.
If someone ever experienced this before i would love to have some help, it could legit double my ROI.

Thanks for reading

 

[Manatonyac]

Hey, that 50% Stripe rebill failure with banks like Revolut and Boursorama sounds super frustrating, especially when PayPal’s working fine! The “unauthorized payment” error with your “off_session” setup is odd—maybe check with Stripe support or tweak something, since 3DS should’ve covered it. Have you tried reaching out to those banks to see what’s up?

 

[pala777]

Hello,

I have a niche trial/rebill SAAS. Not much volume but i am first on my main SEO request.
Rebills on paypal works just fine, but 50% of my stripe's rebills fails... I really dont know why, i use 3DS for the first payment and some banks (usuallly revolut, Boursorama bank, Lydia) just don't process the rebill.
Some rebills are working on revolut tho, so i really don't understand.

Errors code:
Some failed rebills have the "insufficient funds" error, which i understand but some have just "unauthorized payment" or something like it, which is dumb asf cause the "setup_future_usage": "off_session" is just fine in the trial payment.
If someone ever experienced this before i would love to have some help, it could legit double my ROI.

Thanks for reading

Likely causes: Revolut/Lydia often block off-session rebills by default, especially for trials. Even with setup_future_usage: off_session, some banks still require user re-auth. To improve rebill success, try sending reminder emails before charge, consider Stripe Smart Retries, and add a backup payment method option during signup.

 

[Hippofx]

Hey, that 50% Stripe rebill failure with banks like Revolut and Boursorama sounds super frustrating, especially when PayPal’s working fine! The “unauthorized payment” error with your “off_session” setup is odd—maybe check with Stripe support or tweak something, since 3DS should’ve covered it. Have you tried reaching out to those banks to see what’s up?

Thanks for your anwser, I didn't try to reach thoses banks yet , will try ! Do you think that my stripe account is flagged ? Or are thoses numbers normals ?

Likely causes: Revolut/Lydia often block off-session rebills by default, especially for trials. Even with setup_future_usage: off_session, some banks still require user re-auth. To improve rebill success, try sending reminder emails before charge, consider Stripe Smart Retries, and add a backup payment method option during signup.

Thanks for your anwser mate, sadly i can't really send reminders emails cause its a grey hat website. User thinks that they pay 1€, and most of them dont read the payment page enought. I hope that i got unlucky with the last 20 customers and that the next ones will be better. Working fine with paypal tho, added a text on payment page that says that paypal works better for revolut boursorama and lydia !

I forgot to say that the trial is 1€ and the rebill 37€. Maybe the difference is too big ? Would it change anything if i charge them half of it every 2 weeks instead ?

 

[Hippofx]

I have another information to share, I do not ask for postal code / real name and i use the user's email (without the @domain.com) as the name for stripe. First payment works fine but would it explain the low rebill success rate ?

 

[ybnzoo]

I have another information to share, I do not ask for postal code / real name and i use the user's email (without the @domain.com) as the name for stripe. First payment works fine but would it explain the low rebill success rate ?

Thanks for your anwser, I didn't try to reach thoses banks yet , will try ! Do you think that my stripe account is flagged ? Or are thoses numbers normals ?


Thanks for your anwser mate, sadly i can't really send reminders emails cause its a grey hat website. User thinks that they pay 1€, and most of them dont read the payment page enought. I hope that i got unlucky with the last 20 customers and that the next ones will be better. Working fine with paypal tho, added a text on payment page that says that paypal works better for revolut boursorama and lydia !

I forgot to say that the trial is 1€ and the rebill 37€. Maybe the difference is too big ? Would it change anything if i charge them half of it every 2 weeks instead ?

I’m doing something similar, but in my case it’s €7 per week.
The main issue is that Stripe keeps blocking my payments, so I’m looking for another solution that’s more stable for rebills.

 

[Hippofx]

I’m doing something similar, but in my case it’s €7 per week.
The main issue is that Stripe keeps blocking my payments, so I’m looking for another solution that’s more stable for rebills.

Check the failed payments, are you sure that its stripe and not the bank itself that are blocking it ?

 

[ybnzoo]

Check the failed payments, are you sure that its stripe and not the bank itself that are blocking it ?

I don’t know, but are you doing legit or dark?

 

[Kvara77]

Hey because some of your customers used virtual card then they cancel them

 

[yogurtlover444]

I’m doing something similar, but in my case it’s €7 per week.
The main issue is that Stripe keeps blocking my payments, so I’m looking for another solution that’s more stable for rebills.

hey i'm doing the same 7eu/week . would be great if we can share knowledge

 

[klimianokalex]

For ongoing rebill woes, integrate Stripe's card metadata API to detect and block virtual BINs preemptively, then auto-suggest stable alternatives like bank transfers.

 

[MR_MRR4]

Are you accepting apple pay?

 

[pennyweight]

I Think there are many solutions other than Stripe and PayPal to be honest.

 

[mizo1991]

I Think there are many solutions other than Stripe and PayPal to be honest.

like what ? got a bh option