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Intelligent retries failure filter

Please note: Availability of plans and features may vary by region. Please consult our Product Bundle Description to read the full details.

Sometimes there isn’t a good day to retry payments because the likelihood of the customer having sufficient funds is really low.

By enabling the failure filter you can let GoCardless use its intelligence to only allow retries where the likelihood of success is high, resulting in a better experience for both you and your customers.

How does it work?

The failure filter will prevent retries if the likelihood of the payment failing is very high (90% or higher).

Will this work for my business?

Pros Cons

A better experience for your customers
Applying the failure filter may provide a better experience for your customers, as some UK and European banks charge payers for returned Direct Debit transactions. These fees can vary from £5 to more than £25 and by applying the filter you essentially help your customers avoid these fees, which gives a better experience for them.

There is a chance that you will miss some successful retries
Enabling failure filter will require you to consider that removing these payments from being retried may result in you missing a successful retry. Even payments that we predict are very likely to fail can succeed from time to time so there is a small chance of missing a successful payment.

It could save you time
Applying the failure filter could save you time. On your GoCardless dashboard you will be able to see when a payment has not been retried because of a high change of failure. This gives you an opportunity to reach out to the customer and understand when would be a better time to retry the payment or arrange a different way to collect the payment you are due.

 

It could save you from paying failure fees
We charge transaction fees for every attempted payment collection, regardless of the transaction outcome (successful or unsuccessful.). By enabling the failure filter you’ll only retry payments that are more likely to succeed hence helping you reduce charges associated with unsuccessful payments.

 

 

Please note: If you are based in Germany, Austria, or the United States, you may have failure fees as part of your pricing. You can check if these fees apply to you in our reference section.

Why have we chosen 90% as the threshold for the failure filter?

The algorithm behind intelligent retries, trained on millions of recurring payments processed by GoCardless, can estimate the likelihood of failure for each payment.

For example, a likelihood of 90% means that if we retry this payment 100 times, on average it would fail 90 times and 10 times it should succeed. Having carefully evaluated the tradeoff between chances to successfully retry payments, possibility to reduce the time you have to wait as well as the chance of your customers incurring fees for returned direct debits, we have selected 90% as the threshold for the failure filter.