Managing Declined Payments

When a scheduled payment is declined, the entire schedule is placed in E (card error) STATUS which stops the processing of any further scheduled payments.

In order to restart processing of the schedule, it must be returned to R(ready) STATUS.

This can be achieved in the following ways:

1. Retry the declined payment using Process Scheduled Payment without card data to retry the existing card. if it is approved then the schedule will be returned to R(ready) STATUS.
   This will work if the decline was of a temporary nature or the cardholder has resolved the problem that caused the decline (such as paying down their balance).
2. Process Scheduled Payment with new card data included (host-based) the new card will be attached and if approved the schedule will be returned to R(ready) STATUS.
3. Use Attach Card Data (host-based) to update the schedule and return to R(ready) STATUS. The declined payment will be retried the next day using the new card.
4. Email the customer and direct them to a webpage on the platform that will then start a web- redirect session to attach new card data and return the schedule to R (ready) STATUS. If the declined payment REFNUM is included then the payment will be processed at the same time otherwise it will be retried the next day.

When a declined payment is re-processed a record of the original decline is added to the schedule as a payment without a REFNUM and a STATUS of X (archived decline). The original payment record is then updated with the current date and the STATUS is set to A (approved) or D(declined) depending on the result of the transaction.