> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Involuntary Churn (failed payments), Stripe

> % of MRR lost when card declines couldn't recover via Smart Retries / dunning. Direct recoverable revenue. How to read it, why it matters, and how to act o...

**Metrics type:** [Supporting Metrics](/nerve-centre/overview#metrics-types-explained)  •  **Category:** [Payment Gateway](/nerve-centre/connectors#connectors-by-type)

> % of MRR lost when card declines couldn't recover via Smart Retries / dunning. Direct recoverable revenue.

## At a glance

> **Involuntary Churn (failed payments)** is a subscription & recurring metric tracked from Stripe data. It surfaces operational signal at the subscription & recurring layer so merchants can spot regressions, opportunities, and structural patterns in their store performance. The card pairs with sibling metrics in the Subscription & Recurring category to build a complete diagnostic picture; cross-reference the related cards listed below for context.

|                       |                                                                                                                                                                                |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **What it counts**    | Involuntary Churn (failed payments) as exposed by the Stripe integration. The metric is computed from the latest available data and refreshed on the standard data refresh.    |
| **Sample type**       | Backend API data from Stripe, refreshed on the standard data refresh.                                                                                                          |
| **Why it matters**    | The metric appears in the Subscription & Recurring category and complements the sibling cards listed below. Track movement over time to identify regressions or opportunities. |
| **Reading the value** | Compare the current period to the prior period to identify direction. Cross-reference siblings for the full diagnostic picture.                                                |
| **Currency**          | percent                                                                                                                                                                        |
| **Time window**       | `30D`                                                                                                                                                                          |
| **Alert trigger**     | `>3% of MRR`                                                                                                                                                                   |
| **Sentiment key**     | `stripe_involuntary_churn`                                                                                                                                                     |
| **Roles**             | owner, finance                                                                                                                                                                 |

## Calculation

Calculated automatically from your Stripe data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.

## Worked example

*A representative reading of **Involuntary Churn (failed payments)** for a typical merchant on Stripe.* The card reports the current period value alongside a comparison against the previous period. Direction matters: rising values may be healthy or concerning depending on the underlying metric. Cross-reference the siblings below to triangulate cause when the value moves outside expected range. For deeper investigation, use Vortex Mind to trace upstream causes; for natural-language exploration, ask Ask Viq.

## Sibling cards merchants should reference together

| Card                                                                                            | Why merchants reach for it                                       |
| ----------------------------------------------------------------------------------------------- | ---------------------------------------------------------------- |
| [`stripe_active_subscriptions`](/nerve-centre/kpi-cards/stripe/active-subscriptions)            | Subscription & Recurring sibling: Active Subscriptions.          |
| [`stripe_dunning_recovery_rate`](/nerve-centre/kpi-cards/stripe/dunning-recovery-rate)          | Subscription & Recurring sibling: Dunning Recovery Rate.         |
| [`stripe_mrr`](/nerve-centre/kpi-cards/stripe/monthly-recurring-revenue)                        | Subscription & Recurring sibling: Monthly Recurring Revenue.     |
| [`stripe_recurring_failure_rate`](/nerve-centre/kpi-cards/stripe/recurring-charge-failure-rate) | Subscription & Recurring sibling: Recurring Charge Failure Rate. |
| [`stripe_3ds_abandon_rate`](/nerve-centre/kpi-cards/stripe/3ds-challenge-abandon-rate)          | 3DS & Fraud sibling: 3DS Challenge Abandon Rate.                 |

## Reconciling against the vendor's own dashboard

**Where to look in Stripe's own dashboard:**

The Stripe dashboard surfaces this metric (or its components) under the relevant report section. Confirm period boundaries and filter settings match the Vortex IQ profile to reconcile cleanly.

**Why the Vortex IQ value may legitimately differ:**

| Reason                                                                                                     | Direction | What to do               |
| ---------------------------------------------------------------------------------------------------------- | --------- | ------------------------ |
| **Period boundary.** Vortex IQ uses 30-day rolling by default; vendor dashboards may use calendar periods. | Variable  | Match the period range.  |
| **Time zone.** Vendor uses account time zone; Vortex IQ aligns to merchant reporting time zone.            | Marginal  | Confirm time zone match. |
| **Filter scope.** Profile-level filters (channel, B2B, test orders) may narrow the Vortex IQ view.         | Variable  | Match filter settings.   |

**Cross-connector reconciliation:** complement with sibling cards in the same category for the full diagnostic picture. For divergence investigations, use Vortex Mind.

## Known limitations / merchant FAQs

**Q: How often does Involuntary Churn (failed payments) update?**
The card refreshes on the standard data refresh (typically every 30-60 minutes for live integrations). For real-time signals, force a manual refresh from the dashboard.

**Q: Why does my Stripe dashboard show a different number?**
The most common reasons are period-boundary differences (Vortex IQ uses 30-day rolling vs vendor's calendar months), time-zone alignment, and filter scope (profile-level vs vendor's all-account view). Match these settings before assuming a real divergence.

**Q: How does Involuntary Churn (failed payments) relate to other subscription & recurring metrics?**
Track this card alongside the siblings listed above to build a complete picture. Single-metric reads can mislead; the diagnostic value is in the cross-reference.

**Q: Can I customise the alert threshold?**
Yes, alert thresholds are configurable per profile in the Alert Rules tab. Adjust to match your business baseline rather than relying on the generic default.

***

### Tracked live in Vortex IQ Nerve Centre

*Involuntary Churn (failed payments)* is one of hundreds of KPI pulses Vortex IQ tracks across Stripe and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English.

[Start for free](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.