How Failed Payments Are Retried

Sometimes a card payment is declined even though the customer wants to pay, for example because of a temporary balance issue or a problem at the bank. Some of these payments go through when they are tried again later. PayLoop can retry them for you on a schedule.

Which payments are retried

Only temporary declines are retried, such as insufficient funds or the bank being unavailable. Declines that mean the card should not be used, such as a lost or stolen card or a closed account, are never retried. In those cases the customer needs to provide a new card.

The retry schedule

The default schedule spaces retries out over two weeks. You can change it.

1. 01
   Day 0

   The payment is declined.
2. 02
   Day 3

   First retry.
3. 03
   Day 7

   Second retry.
4. 04
   Day 14

   Final retry. After this, your settings decide what happens next.

Your settings

• The number of retries and the days between them.
• Whether retries are on at all.
• What happens after the last retry, for example cancelling or moving on to the next billing date.

Card network rules

Visa and Mastercard limit how often a declined card can be retried. Keeping retries spaced out and stopping on permanent declines keeps you within those rules.