# Payment Retry Settings

By default, without customization to these settings, Inveterate will attempt to re-bill a customer's payment method for 3 consecutive days *(the first scheduled attempt, and two retries)* if there is a failed payment for any reason *(ex: Insufficient funds, Card expired, etc).* On the third billing attempt, if that payment fails, the customer's membership will be cancelled due to payment failure. 

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2Fy8C38jwV8cR8l8c4g0Hr%2FScreenshot%202025-06-17%20at%203.25.32%E2%80%AFPM.png?alt=media&#x26;token=091f58b6-a010-447a-bf65-1d77865f14c4" alt=""><figcaption><p>Default settings, which will retry 2 additional times in 2 consecutive after the initial failed billing attempt.</p></figcaption></figure>

Inveterate allows you to customize these default payment retry settings - at the membership tier level - to meet your specific business & customer needs. You are able to set the number of retries, as well the frequency at which the billing attempts are set to occur.

{% hint style="danger" %}
If you are currently using our integration with [**Churn Buster**](https://churnbuster.io/), you should not make changes to the default settings in Inveterate, as the integration is reliant on them.&#x20;
{% endhint %}

{% hint style="info" %}
A longer retry window with more attempts can assist in reducing passive churn due to payment failure, giving your members more time to change their payment method on file, or alleviate any issues that are causing a payment to fail *(ex. insufficient funds).*
{% endhint %}

### Example Retry Schedule Scenarios:

{% hint style="warning" %}
For monthly membership programs, your retry schedule **should not extend past 30 days**, as this extends into the next billing period.&#x20;
{% endhint %}

#### Quick Retries:

Retry 4 times within 5 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2FaWycXr4IImxmASozPZuK%2FScreenshot%202025-06-17%20at%203.41.15%E2%80%AFPM.png?alt=media&#x26;token=ca1f6c08-9f02-4040-9ea9-cffaf3760fa9" alt=""><figcaption></figcaption></figure>

#### Gradual Increase:

Retry 4 times within 11 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2Fp7x2HWMUOTV81mOXdQB0%2FScreenshot%202025-06-17%20at%203.43.03%E2%80%AFPM.png?alt=media&#x26;token=a0b3b738-f833-4e86-a76a-9f25e9a90255" alt=""><figcaption></figcaption></figure>

#### Even Spacing:

Retry 5 times within 15 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2FXt6b198mKKRaceuMdTWa%2FScreenshot%202025-06-17%20at%203.47.40%E2%80%AFPM.png?alt=media&#x26;token=676c7495-c01d-4ec2-a1db-283dd8295f8c" alt=""><figcaption></figcaption></figure>

#### Conservative Pattern:

Retry 4 times within 17 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2F1s54lK0onDLq1S51fEB8%2FScreenshot%202025-06-17%20at%203.52.54%E2%80%AFPM.png?alt=media&#x26;token=64aabebb-396b-4baf-bc43-37cfed1344a4" alt=""><figcaption></figcaption></figure>

#### Aggressive Early:

Retry 6 times within 20 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2F1LJxxAoOoyb88ylli0ZL%2FScreenshot%202025-06-17%20at%203.59.00%E2%80%AFPM.png?alt=media&#x26;token=0805bef3-d179-468c-be69-06bd793a5f5b" alt=""><figcaption></figcaption></figure>

#### Business Week:

Retry 4 times within 28 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2FoZMLrSHSms6rpSSEJMPY%2FScreenshot%202025-06-17%20at%203.56.26%E2%80%AFPM.png?alt=media&#x26;token=ac99769c-6fa5-401e-8f2c-914512d1db64" alt=""><figcaption></figcaption></figure>

#### Extended Recovery:

Retry 7 times within 28 days of the first failed payment.

<figure><img src="https://231758148-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLjNbd2MWKOWi5A1HvQtH%2Fuploads%2FKUc8wNs7bcevSR9n1gVY%2FScreenshot%202025-06-17%20at%204.00.44%E2%80%AFPM.png?alt=media&#x26;token=35ba4f63-e348-4521-99ee-9fd626173ec2" alt=""><figcaption></figcaption></figure>


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