Smart retries

Not all declines are equal. A soft decline such as insufficient funds is often temporary and worth retrying; a hard decline such as a lost card is not. Smart retries use the decline code to decide whether, and when, to try again.

Timing matters too. Retrying at the wrong moment is a wasted attempt, while retrying around paydays meaningfully improves recovery for insufficient-funds declines.

churnguardian classifies each decline and retries on a decline-aware schedule, then stops and switches to email when a card needs updating.