Smart retries
Failed cards are not dead. They are just early.
When a card fails, crxpay waits for the right moment and tries again. Usually after payday, during banking hours, when the account has money. About 1 in 3 come back.
- First chargeDay 0Insufficient funds
- Retry 1Day 2Tuesday 10am local
- Retry 2Day 4Thursday after payday
- Retry 3Day 7Charged successfully
Why smart beats naive
Timing is half the fix.
Default Stripe dunning retries every 3 days and gives up. crxpay reads the decline, the user country, the hour, and the history, then picks a window that actually works.
Retry on the 1st or 15th of the month, when most cards actually have money on them.
Morning in the user timezone beats 3am. Tiny detail, real lift.
Some declines are hard stops. Others clear after 48 hours. crxpay reads the reason code and acts.
No nagging emails. No "your account is about to die" panic. Most users never notice.
Per-reason playbook
Pick the reason, see the plan.
Stripe tells us why the card failed. crxpay turns that into a different retry schedule for each reason.
Most cards get topped up on the 1st or 15th. We wait for that window.
Numbers from extensions using crxpay smart retries on subscription renewals over the last 90 days.
Why devs enable it
Quiet wins add up fast.
Numbers from crxpay subscription renewals in the last 90 days.
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