Here's how each payment processor handles failed recurring payments:

Stripe

Retry is done by Stripe. The retry is based on your account settings:

1. Go to Billing > Revenue recovery

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2. Choose Retries > Manage card payments

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3. Choose between Smart retries or Custom retries

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Additionally, Stripe also has the Automatic card updates feature. It ensures payment continuity when customers receive replacement cards.

PayPal

Retry is done by PayPal.

PayPal retries the payment every 5 days for up to twice per billing cycle.

If the second retry fails, PayPal counts this as a payment failure.