Failed payment notifications and retry scheduling

Purpose

1. Notifies members instantly of failed payment attempts and schedules automatic retries to ensure uninterrupted membership access, improved recovery rates, compliance, and administrative efficiency in aquatic diving facility billing operations.

2. Reduces manual follow-up, enhances customer communication, and maintains revenue flow by automating payment issue management for acrobatic diving pool memberships.

3. Maintains an audit trail for finance teams and supports rapid response through multi-channel notifications and adaptive retry timing.

Trigger Conditions

1. Payment processor (e.g. Stripe, PayPal) returns a failed transaction status in real time.

2. Bank or ACH return codes indicate insufficient funds or authorization errors.

3. Invoice overdue beyond specified grace period.

4. Recurring payment attempt failed for any reason.

5. Member account status changes to “Delinquent” due to payment issue.

Platform Variants

1. Stripe

• Webhook: Listen for `invoice.payment_failed` event; trigger retry and notification logic.
  

2. PayPal

• IPN (Instant Payment Notification) or Webhook: Monitor for transaction failure and automate re-attempt scheduling.
  

3. Square

• Webhook: Use `payment.updated` with status `FAILED` to trigger notifications and retries.
  

4. Braintree

• Webhook for `transaction_failed`: Link to retry billing and send alerts.
  

5. GoCardless

• Webhook: `payment_failed` event to notify members and reschedule payments.
  

6. Xero

• API: Monitor invoice status and automate follow-up via integrated messaging.
  

7. QuickBooks Online

• API: Trigger on failed automatic payment, send alerts, and queue retry.
  

8. Zoho Books

• Webhook: Detect unsuccessful recurring charge, launch communication flow.
  

9. 2Checkout

• INS (Instant Notification Service): Use `RECURRING_INSTALLMENT_FAILURE` type to set retry and notification.
  

10. Adyen

• Notification Webhook: `AUTHORISATION_FAILED` event initiates retries and customer emails.
  

11. Mollie

• Webhook: Listen for failed transaction call and send multi-channel alerts.
  

12. Recurly

• Webhook or Push Notification: `invoice_failed` event triggers response protocol.
  

13. Chargebee

• Webhook: `payment_failed` and retry using built-in dunning settings.
  

14. Chargify

• Webhook: Capture failed renewal and automate contact/retry process.
  

15. Authorize.net

• Webhook or Silent Post URL: Notify on `declined` or `failed` status for recurring billing.
  

16. Twilio SMS

• Send API: Automatically dispatch SMS alert with next retry info.
  

17. SendGrid

• Transactional Email API: Send custom email notification on failure detection.
  

18. Slack

• Incoming Webhook: Post internal alert to finance/operations channels on any failed payment.
  

19. Microsoft Teams

• Incoming Webhook: Deliver card notification to accounts team on transaction failures.
  

20. HubSpot

• Workflow Automation: Trigger workflow on failed payment property change and enroll member for follow-up emails.
  

21. Salesforce

• Process Builder/APEX Trigger: Initiate task assignment and notification for failed billing events.
  

22. ActiveCampaign

• Automation Trigger: Send “Payment Failed” email and add to “Retry” segment on failure event.
  

Benefits

1. Increases revenue recovery by promptly alerting members for corrective action.

2. Minimizes service interruptions for customers through timely retries.

3. Frees staff from repetitive communication and scheduling tasks.

4. Maintains full compliance and up-to-date records for audits.

5. Allows scalable, multi-channel engagement adaptable to facility needs.