How we handle failed payments
Your members' payments might fail for a variety of reasons: A member's card might not have enough funds for the transaction, the card could have expired, or the transaction might be declined by the bank for some other reason. In this article, you'll learn how we handle failed payments and members with expired credit cards.
In this help doc:
How we handle failed payments
After the first payment failure, we'll send them an email notification letting them know that their subscription is past due. We'll also prompt them to review and update their payment details.
We'll then retry the payment up to 4 times—always with 12 hours between retries. If we are unable to charge the member after 48 hours, we will deactivate their subscription.
Credit card declines are determined by Stripe. For each transaction, Stripe passes back a simple "Yes" or "No" message to Memberful, but they don't provide us with any additional information.
The Stripe declines do show up in your Stripe dashboard, and sometimes they show a reason for the decline. Take a look through Stripe's Declines and Failed Payments documentation for more information.
How we handle expired credit cards
If we detect a credit card expiration date before the member's next renewal date, we'll send them an email reminder. On the renewal date, we'll try to charge the card on file—either the old one or a new one they've added. In most cases, an expired credit card will lead to a failed payment, but some banks do allow charges to be processed on expired cards.
Related help docs: