Stripe can automatically attempt to pay an invoice if the customer has a payment method on file.
Set the invoice’s
collection_method property to
charge_automatically to automatically charge the payment method on file.
You can also configure automatic charges through the Dashboard.
Retrying failed payments
When an invoice payment with an iDEAL, Sofort, Bancontact, credit or debit card fails, Stripe retries payments according to your Dashboard’s automatic collection settings.
To avoid bank fees, Stripe doesn’t retry invoice payments made with ACH debit, BECS debit, or SEPA debit.
You can choose the schedule of retries, or you can allow Stripe’s Smart Retries feature to optimize the schedule and number of retries.
Using machine learning, Smart Retries chooses optimal times to retry failed payment attempts to increase the chance of successfully paying an invoice.
The Smart Retries feature attempts to retry the customer’s charge up to four times within a customizable period. You can override this behavior (for all invoices) in your Dashboard’s automatic collection settings by disabling Smart Retries and defining your own custom retry rules.
Sending email reminders
You can configure Stripe to send email notifications to your customer:
- Upon failed payment attempts
- With receipts after invoices are paid
- When a card on file is about to expire
- When a payment requires 3D Secure, or reminders to complete such a payment
Before you send emails, be sure to customize the branding in your account settings.
Sending email reminders for incomplete payments requiring 3D Secure
When your 3D Secure settings are configured to enable the Send a Stripe-hosted link for cardholders to authenticate when required option, emails will be sent to your customers when charging their card on file requires them to complete 3D Secure authentication (and they’re not present). The email links to a Hosted Invoice Page where they can confirm the payment.