Routing
Retry logic
Rules that re-attempt a declined transaction across time windows, acquirers, or authentication levels to recover revenue.
Effective retry combines decline-code classification (only retry soft declines), timing heuristics (e.g. payday windows for insufficient-funds), acquirer rotation, and step-up to 3DS for risk reasons. Done badly, retries burn fees and harm scheme standing.
Related terms
A transient decline (e.g. insufficient funds, do-not-honour, generic) that can usually be recovered with retries.
Algorithmic selection of an acquirer or MID per transaction to maximise approval rate, minimise cost, or both.
The process of retrying failed subscription payments and notifying customers to update their card before churning them.
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