Zuora's payment retry rules allow you to limit the maximum number of automatic retries on credit cards processed through a Zuora payment run. Every time an invalid credit card gets retried for a payment, you (the merchant) get charged for transaction fees by the payment gateway. Costly fees are not the only concern with retrying invalid credit cards too many times; merchants can also trigger fraud warnings from the payment gateway, processor, or credit card networks when attempting too many failed transactions on the same credit card. At worst, fraud warnings can result in your merchant account being marked as high risk and your account may even be put on hold - in which case you won't be able to access the account or use it to process payments. Using Zuora's payment retry rules, you can avoid retrying a credit card after the maximum number of retries has been reached. This article talks about what to do with credit cards that have reached the maximum number of retries. The steps you take to handle such cards are an important part of your payment exception handing process.
To manage credit cards that have retried the maximum number of retries, you need to define a process where you contact the customer to get the credit card information updated. Some steps you may take include:
Updating the payment method will reset the payment retry counter and a payment run can be used to process payments using that credit card. In other cases, maybe nothing has changed and it was just a temporary situation where the credit limit has been reached. In that case, you can manually reset the retry counter to 0 by going to the customer account page, find the credit card and click reset (next to Consecutive Failed Payments).