Stripe Metric
Payments
Card Decline Rate = (Declined Card Transactions / Total Card Transaction Attempts) × 100
Card decline rate is the percentage of card payment attempts that are refused by the issuing bank or card network. It captures both soft declines, which may succeed on retry, and hard declines, which require customer action to resolve.
Full guide: definition, formula, and benchmarksStripePaymentsCard Decline Rate
Card decline rate is the percentage of card payment attempts that are refused by the issuing bank or card network. It captures both soft declines, which may succeed on retry, and hard declines, which require customer action to resolve.
How to calculate card decline rate
Why card decline rate matters for Stripe users
Every declined card is a potential sale lost. High decline rates inflate acquisition costs because you pay to attract customers who cannot complete payment, and they erode trust if buyers experience repeated failures at checkout.
Stripe users can segment declines by reason code, card brand, and issuing country to distinguish between preventable failures and structural issues. Targeted interventions such as network tokens, automatic card updaters, and intelligent retry schedules can materially reduce decline rates.
Understand and act on card decline rate with KPI Tree
Sync Stripe charge and payment intent data to your warehouse and compute card decline rates in KPI Tree. Place the metric in a payments health tree alongside charge success rate and failed payment recovery rate.
Assign payments engineering ownership and set alerts when decline rates rise above your baseline by card brand or region.
Get started with your Stripe data
MCPPull metrics from Stripe directly through the Model Context Protocol.
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Related Stripe metrics
Charge Success Rate
PaymentsMetric Definition
Charge Success Rate = (Successful Charges / Total Charge Attempts) × 100
Charge success rate is the percentage of payment attempts that are successfully authorised and captured. It encompasses card network approvals, 3D Secure completions, and gateway processing outcomes.
Failed Payment Recovery Rate
PaymentsMetric Definition
Recovery Rate = (Recovered Payments / Total Failed Payments) × 100
Failed payment recovery rate measures the percentage of initially declined payments that are subsequently collected through retry attempts, card updates, or customer outreach. It quantifies revenue saved from potential loss.
Payment Method Distribution
PaymentsMetric Definition
Payment method distribution shows the share of transactions processed via each payment method, including cards, bank transfers, digital wallets, and local payment methods. It reveals customer payment preferences.
Gross Payment Volume
PaymentsMetric Definition
GPV = Sum of All Successful Transaction Amounts
Gross payment volume (GPV) is the total monetary value of all transactions processed through Stripe before deducting fees, refunds, and chargebacks. It represents the overall scale of payment activity.
Explore card decline rate across integrations
All Stripe metrics
Average Revenue Per TransactionCharge Success RateChargeback RateCustomer Lifetime ValueDispute Resolution RateFailed Payment Recovery RateFraud Detection RateGross Payment VolumeMonthly Recurring RevenueNet RevenuePayment Method DistributionPayout Timing AnalysisRecurring vs One-Time RevenueRefund RateRevenue by CurrencyRevenue by ProductRevenue Growth RateRevenue Per CustomerSubscription Churn RateSubscription Growth RateSubscription Upgrade RateTransaction Fee AnalysisTransfer Volume AnalysisTrial Conversion RateVolume by Payment MethodCohort Revenue AnalysisCustomer Acquisition CostDispute RateGross Profit MarginRepeat Customer RateEmpower your team to understand and act on Stripe data
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