When Recurly returns decline code bank_error, it means: bank processing error. This is classified as a soft decline in the Transient subcategory. This type of decline is typically recoverable with the right timing and approach.
LostChurn classifies this as a recoverable soft decline and applies smart retry logic. We analyze decline patterns across our network to determine the best retry window and strategy for maximum recovery.
Wait 12 hours before the first retry. Use up to 2 retry attempts with increasing intervals. Best retry windows: early morning (6-8 AM) in the customer's timezone, or 1-2 days after common payroll dates.
LostChurn detects bank_error declines in real time and applies the optimal recovery strategy — no manual intervention needed.
