How we classify payment failures

WHEN TO RETRY

Cards: no sooner than 24h after the decline, within network caps (Visa: 15 retries per card in 30 days). Recurring: time retries near likely salary credit (1st–7th). UPI Autopay: up to 3 retries in the cycle after the first attempt, inside the permitted IST execution windows; the pre-debit notification is needed before the scheduled debit, not before each retry.

PREVENT IT

Set debit dates near salary credit, and remind customers two days before each debit.

WHEN TO RETRY

Daily or frequency limits: after the limit resets (typically next day). Per-transaction limits don't reset: charge a smaller amount or collect another way. FL/FP first-time UPI limits: after 24h.

PREVENT IT

Tell customers about bank limits before large debits, or bill large amounts in smaller cycles.

WHEN TO RETRY

Retry in 1–4 hours. UPI Autopay: only inside the permitted IST windows (before 10:00, 13:00–17:00, after 21:30). NACH: the next presentation cycle.

PREVENT IT

Schedule debits in daytime hours, away from bank maintenance windows.

WHEN TO RETRY

At most one retry after 24h; otherwise wait for customer to clear it with their bank.

PREVENT IT

Authenticate customers at sign-up (3DS or a verified mandate) so issuers recognise your debits.

WHEN TO RETRY

Retry once after 24h unmodified; abandon if the second attempt also fails.

PREVENT IT

Keep a backup payment method on file so a failing card can switch rails instead of lapsing.

WHEN TO RETRY

Only when the customer re-initiates or re-authenticates. UPI Autopay and card e-mandates above Rs 15,000 need authentication on each debit (Rs 1,00,000 for mutual fund subscriptions, insurance premiums and credit card bills).

PREVENT IT

Send approval requests when customers are active, with a reminder before the request expires.