Recover failed GoCardless direct debit payments with mandate-aware dunning and bank-specific retry timing.
GoCardless specializes in bank-to-bank payments via direct debit schemes including BACS, SEPA, ACH, and BECS. Failed direct debit payments follow different patterns than card declines: they involve bank return codes, mandate issues, and scheme-specific retry windows.
LostChurn integrates with GoCardless webhooks to detect payment failures and maps each bank return code to the appropriate recovery action. For returned payments, LostChurn respects the scheme-mandated waiting periods before scheduling a re-presentation.
Because direct debit failures often require customer action (such as ensuring sufficient funds or updating bank details), LostChurn's dunning emails explain the specific failure reason and guide the customer through the resolution process.
LostChurn classifies 15 decline codes specific to GoCardless, categorizing each as a hard or soft decline with an optimized recovery strategy.
Start recovering failed payments in minutes. No code changes required.
