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Real-World Example

Jane’s installment fails because the card is declined. The portal records the failure, schedules follow-up where appropriate, retries after the configured wait, and may auto-skip the failed installment when the next due date is too close.

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Visual Flow

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Installment Recovery

After an installment fails, eligible recovery attempts may continue during the configured recovery window. The consumer can update the payment method or make a supported manual payment during that period. If the failure remains unresolved as the next scheduled payment approaches, the failed installment may be skipped and moved to the end of the plan. The payment schedule and BillPay Calendar must update together, and the plan remains active when the skip rules allow it.

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Failed Scheduled Settlements

A future settlement requires an accepted agreement and a valid payment method. If payment fails on the scheduled settlement date:
  1. Close the Scheduled Settlement status and cancel the inactive settlement agreement.
  2. Evaluate the account’s current expiration date.
  3. If the account has expired, close it through the normal expiration workflow.
  4. If the account remains eligible, return it to New Offers and load the current highest eligible offer.
A failed settlement must not remain visible as an active Scheduled Settlement.

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How It Should Work

  • It should record failed payment attempts and communicate next steps to the consumer.
  • It should retry eligible failed payments after the configured wait period.
  • It should skip failed installments safely when the next due date is too close.
  • It should route failed scheduled settlements according to the account’s current expiration state.
  • It should track consecutive skips and send the correct communication when needed.

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How It Should Not Work

  • It should not retry failed payments immediately without respecting retry rules.
  • It should not charge a skipped or held schedule transaction as if it were still due today.
  • It should not leave a failed settlement agreement active after its scheduled payment fails.
  • It should not leave consumers without communication after important payment failures.
Last modified on July 30, 2026