The Fraud suspected strategy handles payments the card issuer blocked because it suspected fraud. Repeated retries on a flagged card rarely succeed, so the strategy retries 3 times over 3 days, then pauses the subscription and emails the subscriber once.
Who this strategy targets
This strategy targets subscriptions whose renewal was declined with Fraud suspected. The card may be compromised, or the issuer may have blocked a charge the subscriber did make, and only the subscriber and their bank can clear that up.
Navigate to Loop admin > Retain > Payment recovery > Recovery strategies, then click Fraud suspected under Advanced recovery strategy. To build it from scratch, click Create strategy and select the failure reason below.
Failure reasons: Fraud suspected
Conditions: None
When to use it
Use this strategy to stop retrying a flagged card for weeks. A short window keeps you from charging a card the issuer has blocked, which protects your approval rates with that issuer.
If the subscriber confirms with their bank that the charge is genuine, they can update their payment method and resume the subscription.
How to set it up
The defaults below are a starting point. Each brand decides how many retries to run, when to email, and how much to offer.
Setting | Default | Why it helps |
Retries | 3 retries over 3 days | A few daily retries catch a block the bank clears quickly, without retrying a flagged card for weeks. |
Emails | 1 email, after the last retry | The subscriber hears from you once, when the subscription is paused. |
Discounts | None | An offer won't clear a fraud block, and discounts on flagged payments can reward the wrong behavior. |
After all retries | Pause the subscription | Pausing stops further charges while the subscriber sorts it out with their bank. |
Default retry schedule
Retries | Gap before each retry | Days after the failed payment | Discount | Email to subscriber |
1 to 2 | 1 day | 1 to 2 | None | No |
3 | 1 day | 3 | None | Payment failed and subscription paused |
Example
A supplements subscriber's renewal is declined with Fraud suspected after their bank flags an unusual charge. Loop retries for 3 days, then pauses the subscription and sends one email.
The subscriber calls their bank, confirms the charge, and resumes the subscription from customer portal.
Need help?
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If you have any questions or need assistance, feel free to email us at [email protected] or chat with us using the support beacon at the bottom right of your screen.
Regards,
Loop subscriptions team 🙂