Algorithmic Retry Rules Engine

Smart Card Retry Scheduling

Standard Stripe retries retry cards blindly at midnight or after fixed 3-day intervals, leading to immediate secondary declines. ChurnShield analyzes the card decline code and dynamically schedules retries to maximize recovery success.

Payday & Liquidity Window Matching

For code: insufficient_funds

When a card fails with insufficient funds, retrying the next morning has an 82% failure rate. ChurnShield retries on common direct-deposit dates (1st, 15th, or Friday mornings) where recovery probability jumps to 74%.

Temporary Card Velocity Cooldown

For code: card_velocity_exceeded

Triggered when a customer makes multiple online purchases in a short window. Card network security freezes the card temporarily for 4-8 hours.

Cooldown wait before retry:

Maximum Retry Attempts

Preventing card network spam fees

Visa and Mastercard charge penalty fees for more than 4 retries on a single invoice. ChurnShield automatically enforces an optimal 4-retry cap.

Max retries per invoice:

Expired Card Bypass

For code: expired_card

Zero retries are attempted on hard expired cards (retries will always fail). ChurnShield immediately generates a 1-click magic link card update request via SMS and email.

✓ Pre-dunning active: Notifies customers 14 days before card expiry month.