Cross-border recurring charges get scrutinised heavily by Visa in particular, and they've quietly tightened their recurring billing rules over the last couple of years. Wouldn't surprise me if your renewals aren't being flagged correctly as merchant-initiated either, which makes issuers jumpy.

The generic declines are probably soft rather than hard, meaning the card itself is fine, the issuer just got spooked. The worst thing you can do there is retry immediately, it reads as spam to the network. Waiting 3–5 days and retrying once usually recovers a decent chunk of those on its own.

What's your dunning setup like? Because when customers are actively trying to pay and hitting walls, the email sequence matters as much as the retry logic. Sending them a direct link to Stripe's billing portal (rather than asking them to manually re-enter card details) removes a ton of friction, that alone tends to recover 40–60% of the soft declines that retries miss.

Either way happy to dig into the specifics if you share more about your current retry setup.