If you email in (https://support.stripe.com/contact), we also have a declines team that can investigate (I'm also happy to help at [email protected]).
Does Stripe publish any statistics on what is normal for decline rates, perhaps broken down by categories like payment method, whether it's a first payment or a subsequent subscription payment, how effective the various automatic retry strategies are at saving an initially failed charge, etc?
Are you guys actually collecting all of the relevant information for an account, like billing info?
We've only had a single failed payment in the past year and it was an issue at the card's bank rather than Stripe.
Maybe that's part of the problem?
However this was the happy path that Stripe's docs encouraged me to use.
A lot chargebacks would mean you're selling porn ;)
I have a majority of international customers, which maybe doesn't help...
I suspect (without proof) that if you are a big trusted entity, Stripe and the whole financial system probably greases the wheels a bit to improve your success rate...