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How to collect failed payments




Like any other type of payment, a SEPA direct debit can fail.

There are various types of R-Transactions which can occur at various points in the SEPA direct debit flow.


What to do in the event of rejection/refusal?

It depends on the reason.

You can retry the transaction. This means that a new attempt will be made to collect the rejected/refused payment. You can contact our customer services to automate the process and ensure an automatic retry in the event of refusal.

You can also suggest a payment alternative. This means that if the first payment is refused, you can suggest another method, such as a card payment.

For more information on R-Transactions, click here.


Automatic Retry: a SlimPay solution to manage your R-Transactions

An example with a direct debit

The Automatic Retry solution allows creditors to easily reduce the number of failed transactions though an automated process, thus boosting turnover and optimizing each customer's value. 

R-transactions cannot be completely eradicated as they are part and parcel of commercial life. 

But the majority of these R-transactions (50%) can be retried in a simple, automated way with tools such as Automatic Retry. This maintains the successful transaction rate for the business and prevents customer loss. 

The Retry process is therefore automated to ensure it is carried out transparently and securely for both the debtor and creditor.


How does it work? 


  1. Text or email alert

SlimPay sends a text or email reminder to inform the customer of an upcoming new attempt to collect the direct debit. 

  1. New direct debit attempt

SlimPay can make a number of repeat direct debit attempts following an R-transaction. The creditor can then decide if they wish to inform their customer of each of these attempts. 

What are the possible options?

Automatic Retry settings can be configured to suit your specific activity. Different configurations are available:

1. Number of Automatic Retry

Set up the number of Automatic Retry to execute in order to maximize your chances of recovering failed payments.

Example: Payments can fail for a range of reasons, but Automatic Retry can increase your revenue, especially if large amounts are involved. It is worth it to try more than once to recover these failed payments. 

2. Delay to execute Automatic Retry

Define the right delay after the R-Transaction is received to execute the Automatic Retry. 

Example: If payments tend to fail at the end of the month, merchants can set up a delay of 3 to 5 days to increase their chances to recover them, as customers will have received their salary. 

3. Reject alert

Communicate transparently with your customers to notify them via email or SMS of the failed payment and inform them about the Automatic Retry. 

Example: A customer with insufficient funds is aware that he needs to replenish his account to avoid a service interruption.

4. Template customization

Adapt your communications to your brand identity and personalize your messages by email or SMS.

Example: Merchants can adapt the template and its content according to the specific message or audience. 

5. Business day of the Automatic Retry

Choose the business day to execute the Automatic Retry.

Example: If payments tend to be more successful at the beginning of the month, it is then more strategic to execute the Automatic Retry between the 1st and 5th day of the month.

6. Amounts of the transactions to be retried

Define the ranges of failed transaction amounts you would like to retry. 

Example : Some transactions of low value have little impact on your revenues. You could therefore choose to retry only transactions above 100 euros. 

7. Country codes of IBANs to be retried

Choose the country codes of IBANs associated with failed transactions that you would like to retry. 

Example Only authorize the Automatic Retry for French IBANs.

8. R-Transactions codes to be retried

From the list of replayable R-Transaction codes presented by SlimPay, select only those you want to retry. 

Example Only authorize Automatic Retry on the AMO4 R-Transaction code (insufficient funds), as these are the most frequently occurring errors.


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