Failed Payment Handling Process

Ezypay is dedicated to maximizing merchants' invoice collection rates. The Ezypay failed payment process provides various options to recollect payments, ensuring a higher collection rate. Failed payments are categorized into two types:

1. Hard failures – If a hard failure occurs, the payment method is “invalidated”. No further attempts on the invoice can occur and the payment method cannot be used for any new invoice. The payment method must be replaced before any further attempts.
2. Soft failures – If a soft failure occurs, the payment method is still valid. Any further attempts on the invoice will occur and may be successful if the failure reason is resolved.

https://developer.ezypay.com/docs/failed-payments

Important Items

Showing the Failure Reason
As mentioned in the invoice management section, displaying the failure reason is crucial for merchants to decide on actions required to recover failed payments. Webhooks are essential for retrieving the latest invoice status. Hard failures and soft failures should have different handling processes.

Attempts on Recollection
For any soft failures, recollection attempts must be made using one of the following methods:
a. Enable Ezypay’s built-in automatic recollection processes.
b. Develop your system to automatically retry for a failed invoice.
c. Create a button in your platform allowing customers or merchants to manually retry for a failed invoice.

Allows Customers to Replace Payment Methods
When a customer’s payment method is invalidated, you cannot bill them further. It is critical that your platform allows customers to replace payment methods. Embed the Ezypay hosted payment page in your platform to collect and replace payment methods. Alternatively, customers can use the Pay Now link to replace payment method.

Using a Pay Now link
The Pay Now link is a URL hosted by Ezypay which can be retrieved through:
a. invoice_past_due webhook event
b. Response payload for “retrieving a failed invoice” via Ezypay API.
After obtaining the link, be sure to store it in your database. Include the link in your failed payment notifications to customers for easy access by customers. You can also embed the link in your platform, allowing customers to independently settle their payment at any time.

Ezypay Email Notifications
Ezypay offers an email service to notify customers about failed payments. The email includes details of the failed payment, the date it occurred, the total outstanding amount and date of any automated retry by Ezypay. The Pay Now link is included in the email body, enabling customers to settle the outstanding amount easily.