I build what happens after a payment fails, for small stores. Declined and failed charges, retry behaviour, deferred and later charges, and chasing invoices that have gone past due. EU based, UK hours.
Answers on failed and declined payments, authorisation windows, deferred and later charges, pre-orders, and chasing overdue invoices.
View the profileNotes on building the same thing, and on what the decline reason tells you that a failure rate does not.
View the profileAn aggregate failure rate tells you almost nothing. The decline reason tells you what to do. A card that expired, a bank that refused, and a customer with no money are three different problems, and only one of them is worth retrying tonight.
If failed payments, declines or recurring charges are costing you money and nobody owns the number, a short call is the fastest way to find out whether there is anything in it. No deck, no pitch: bring your decline data and we will read it together.
This page exists so a handle can be checked against a person. Each profile above names me and links to this domain, and this page names the handle, so the two agree in both directions. Published 19 August 2026. If something here is out of date, the profiles are the live version. Streamflow Solutions