System Retry Logic

Bank of America

automatically retries failed recurring payments based on the type of decline received from the service. The service retries the internal and external payment declines.

If the Recurring Billing service encounters an internal processing error without sending the request out to the banking network, the service retries the payment until the error is resolved.

If the recurring billing service encounters an external processing error when the request is sent out to the banking network,

Bank of America

retries the payment before changing the subscription status to suspended.

If the issuer provides a reason code like Do Not Retry,

Bank of America

stops all retry attempts.

Bank of America

immediately updates the subscription status to suspended.

The maximum number of retries is five times and is based on the billing frequency. During the retry period,

Bank of America

changes the subscription status to delinquent.

This example shows the system retry logic based on the billing frequency:

Daily
: retry 1 hour later, 1 time
Monthly
: retry every 2 days, 5 times
Weekly
: retry every 1 day, 3 times
Yearly
: retry every 15 days, 3 times

For a recurring payment that has a custom billing frequency, the Recurring Billing service retries a failed payment based on the billing frequency. As an example, suppose a payment fails for a recurring billing on a 14-day cycle. The Recurring Billing Service uses the Daily retry logic and every 2 weeks uses the Weekly retry logic, even if the duration is the same.