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Dunning by decline family
GuideRetry calendar by decline familyBack to article
NSF gets days. Expired waits for updater. Do-not-honor stays on this MID. We do not fill a save rate.
| Family | Retry calendar | Account updater | MID |
|---|---|---|---|
| Card expired | Do not run the NSF day list. One bill after updater returns a new expiry. | Recovers a new PAN or expiry. That is the job. | Same continuity MID. Do not open a second account to force the old card. |
| NSF / insufficient funds | Day 1, 3, 7, then a last try on day 14. Stop there unless this CRM proves a later save without extra chargebacks. | Does not fix NSF. The card did not change. The bank said no money. | Same MID. Dumping the fail onto a new account is not a retry. |
| Do not honor | One retry on day 3 on the same MID. Then stop unless this issuer’s file shows NSF-like recoveries. | Does not fix do-not-honor. That text is not an expiry. | Same MID. A healthier MID is a routing job, not dunning. |
| Pick-up, lost, stolen, invalid | No calendar. Kill the token the same day. | May later return a replacement PAN. Wait for that. Do not spray the dead card. | Do not send a dead PAN to another merchant account. |
| Stop / cancelled recurring | No retry. Cancel the MIT token. | Does not apply. | Keep the cancel on this MID’s file. |
Read the decline family first. NSF gets a day list on the same merchant account. Expired waits for account updater. Do-not-honor gets one retry here, not a new account. Updater does not fix NSF.
Pairing procedure: Dunning by decline family. Topic: Subscriptions.
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