A failed payment is a pause, not a goodbye.
When a renewal fails, Quintixco reads why, learns when that customer usually pays, schedules the retry for the right moment and sends a short, polite reminder with a one-tap way to fix it.
| Customer | Reason | Next step | State |
|---|---|---|---|
| Lakeview Fitness Studio | Insufficient balance | Retry 3 Nov, 10:00 am | Recovered |
| Orbit Broadband | Bank server down | Retry in 4 hours | Scheduled |
| Brightpath Coaching | Card expired | Update-card link sent | Awaiting customer |
| Cedar D2C Box | Mandate revoked | No retry. Notify account owner | Stopped |
AI Payment Recovery, step by step.
Read the failure
The decline reason from the payment partner decides the path: retry, ask for a new method, or stop.
Pick the moment
The model looks at past payment times, salary-credit dates, bank downtime and earlier recoveries for that customer.
Remind kindly
A short message by email, SMS or WhatsApp explains what happened and links to retry or update the payment method.
Close the loop
When payment lands, the invoice and GST receipt go out and the subscription renews with no gap.
Recovery that reads each customer, not a fixed schedule
Per-customer retry timing
Retries land when that customer has historically had funds and attention, not at a fixed hour for everyone.
Reason-aware paths
Insufficient balance waits and retries. An expired card asks for an update. A revoked mandate never retries.
Polite reminders
Pre-approved templates in plain language, in English and major Indian languages, with your brand.
Grace periods
Keep access on for a set number of days while recovery runs, so customers are not cut off by a bank glitch.
Hand-off to your team
High-value accounts can go to a person after the first failure, with the full history in view.
Recovery reporting
Recovered revenue, recovery rate by reason and method, and days to recover, every day.
What the model uses, and what it never does
Recovery decisions are explainable. Each scheduled retry shows the reason it was chosen, and your team can override it.
Responsible recovery
- AI retries and reminders stay within RBI rules for recurring payments and the retry limits set by card networks and NPCI.
- Reminders are polite and factual. Quintixco never uses threatening, shaming or misleading messages.
- A revoked mandate is treated as the customer’s decision. It is never retried.
- Customers can pause or cancel from the portal as your terms allow. Payment data is encrypted and never sold.
Your first renewal is one approval away.
Every subscription on Quintixco starts with a mandate. Here is yours: no card, no charge, and no debit until your recurring revenue grows past the free plan.
Mandate requestSmall Loop plan
Requested by Quintixco for your billing workspace