Funds-Available Retries

A card declined for insufficient funds is not a lost customer. The money simply isn’t in the account yet, and the value of a retry depends almost entirely on when it runs. Card networks watch the declined card and tell PayNext once funds are likely available again, so the retry lands at the moment it can succeed. PayNext receives these signals directly from the card network through a dedicated notification channel, not through your processor. Nothing about them depends on which processor took the declined payment, and there is nothing for you to send, poll, or forward. Funds-available retries sit on top of your existing dunning schedule. They change when an attempt runs, never how many attempts a subscription gets.

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When a Signal Arrives

A signal is raised for a recurring card payment that was declined for insufficient funds. Both conditions have to hold—a customer-present checkout decline or any other decline reason produces nothing. A signal is a suggestion, not an instruction. PayNext decides what to do with it based on the state of the subscription at that moment:

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Read the Outcome on a Payment

payment_details carries the signal on both sides of a recovery: the declined payment that was signalled, and the charge that signal created. On the declined payment: On the retry payment:

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See It in the Dashboard

Open a payment in Dashboard → Payments. The timeline shows when a signal arrived and what was decided, and a retry payment names the declined payment it came from. Under More filters → Mastercard Payment Alerts:

• Payment Alert Received — payments a signal arrived for
• POP Retry Payment — payments created by a signal
• POP Outcome — what each signal led to, including the reason for a skip

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Enable Funds-Available Retries

Signals are enabled per merchant account and need no integration work. Contact your PayNext representative to turn them on.