payment-failure-audit
Audits failed Stripe payments — declined charges, PaymentIntents, invoice failures, decline codes, and failure rates. Use when the user asks "how many payments failed", "decline reasons", "card declined", or "payment failure rate".
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- 2026년 7월 19일 10:10
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소스 지침 · 읽기 전용 미리보기- name
- payment-failure-audit
- description
- Audits failed Stripe payments — declined charges, PaymentIntents, invoice failures, decline codes, and failure rates. Use when the user asks "how many payments failed", "decline reasons", "card declined", or "payment failure rate".
- metadata
- {"version":"1.0.0"}
# Payment Failure Audit
## Stripe MCP Setup
Requires **Stripe MCP** connected via OAuth or restricted key. Docs: https://docs.stripe.com/mcp
1. `GetMcpTools` with `server: "user-Stripe"` (or `plugin-stripe-stripe`) before any call
2. Prefer `stripe_api_search` → `stripe_api_details` → `stripe_api_read` for list/retrieve
3. **Always paginate** — `limit: 100`, follow `has_more` with `starting_after`
4. Amounts are in **cents** unless noted
5. Never expose secret keys in output
## Workflow
1. **Recent failed charges** — `GetCharges` with filter or search:
- `search_stripe_resources`: `charges:status:"failed"` (paginate if possible)
2. **Failed PaymentIntents** — `GetPaymentIntents` status `requires_payment_method` or failed
3. **Open invoices** — `GetInvoices` with `status: open` and `subscription` set
4. Group failures by:
- `outcome.reason` / decline code
- `card.funding`
- `card.country`
- Wallet vs direct card
## Common Decline Reasons
| Code / reason | Typical fix |
|---------------|-------------|
| `insufficient_funds` | Debit balance — dunning email |
| `card_declined` | Generic — retry + update PM |
| `expired_card` | Expiring card email |
| `authentication_required` | Enable 3DS on setup |
| Radar block | Review Radar rules |
## Output Template
```
Payment Failures ([period])
Total failed: [N] | $[amount]
Failure rate: [X]% of attempts
By reason:
| Reason | Count | % |
By card funding:
| funding | Count |
Top recommendations:
1. ...
```
Link to `radar-fraud-rules` if `blocked` or `highest` risk level appears in outcomes.
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