Retries

What is a retry?

A retry is the action of resending a previously declined transaction in order to obtain approval. To perform a retry, it is important that the response code of the declined transaction is considered reversible by the card brand.

The merchant can perform the retry manually or configure automatic retry in Gateway de Pagamentos.

How does automatic retry work in the Payment Gateway?

After a transaction is declined by a primary acquirer, the automatic retry attempts approval through a secondary acquirer chosen by the merchant. For recurring payments, you can configure the number of automatic retries and the interval between them.

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You can enable up to four automatic retries with an interval of one to four days. To configure retry rules, contact Support

What is the impact of retrying on my business?

Retrying can bring a positive result and convert sales that were initially denied. However, excessive retries can harm the establishment in the eyes of issuers and brands, reducing the establishment's approval rate and/or generating a fine for retrying when not permitted.

We recommend configuring automatic retry in the Payment Gateway to avoid penalties for excessive retries.

When to retry?

It is allowed to retry when the response code is reversible. The retry strategy must also take into account the response code for each brand.

Examples:

• Insufficient Balance/Limit (51): this response is normally reversible and therefore it makes sense to retry the transaction. However, a retry strategy for this code must take into account that the shopper needs to perform an action such increasing the limit for the transaction to be successful. In this case, we recommend longer intervals between retries;
• Invalid Card (14): this response is irreversible. For this code, there is no point in carrying out new transactions using the same parameters as they will not be approved by the issuers.

Therefore, pay attention to the transaction response to develop a good retry strategy. See other response codes and their characteristics in ABECS Return Codes.

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Excessive unapproved attempts may result in fines.

Card brands set rules and penalty amounts for excessive retries. Read more at Card Brands Retry Program.