Are we underestimating involuntary churn in early SaaS?

I’ve been speaking with a number of Stripe-based SaaS founders recently in the $5K–$15K MRR range, and I’ve noticed an interesting pattern.

Most teams track churn closely.

But very few explicitly track recovery rate from failed payments.

If you’re doing $8K MRR and 3% of payments fail in a given month, that’s ~$240 in at-risk revenue.

Some of it will recover. Some won’t.

But here’s what surprised me:

When I ask founders what % of failed payments actually get recovered, most don’t know.

Stripe handles retries well — but recovery is often treated as infrastructure rather than a metric.

So I’m curious:

Do you actively measure recovery rate in your SaaS?

Or do you rely on Stripe’s default retries and consider that “handled”?

Trying to understand whether this is genuinely a blind spot — or if I’m overestimating the problem.

Would love to hear how others approach it.

Darren