Hi @thecottonshoppe,
I understand how frustrating daily payment failures must be for your business. Let me help you systematically troubleshoot this to identify which gateway might be causing issues.
One thing worth flagging right away: WooPayments is built on Stripe under the hood, so running both WooPayments and the Stripe plugin simultaneously can cause conflicts, including unexpected payment failures. If you’re using WooPayments as your primary gateway, it’s generally recommended to deactivate the standalone Stripe plugin to avoid overlap.
That said, here are the best steps to diagnose what’s happening:
- Go to WooCommerce → Status → Logs and look for entries from
stripe or woocommerce-payments. The error messages there will usually point directly to the cause, whether it’s a card decline, an API authentication issue, or something else entirely.
- Log into your Stripe account and review the failed payment events under Payments → All payments. Each failure includes a decline reason (e.g. “insufficient funds”, “do_not_honor”, “card_velocity_exceeded”) which helps separate card issues from gateway issues
- If you have WooPayments and Stripe both active, try temporarily disabling one to see if failures stop. You can also use the Health Check plugin to test in a conflict-free environment without affecting live customers.
To help us dig deeper, could you share your System Status Report? Go to WooCommerce → Status → Get system report, copy it, paste it at pastebin.com, and share the link here. That will show us your plugin versions, active gateways, and any potential conflicts.
Looking forward to your response so we can narrow this down!
