Stripe insufficient_funds vs. do_not_honor: ISO-8583 Decline Recovery Playbook

Why insufficient_funds requires payday-aligned liquidity windows (1st/15th 06:00 local) whereas do_not_honor requires 3DS authentication fallback or issuer-cooldown spacing.

Verified Telemetry & Deliverable Benchmark Matrix

Entity / Parameter	Verified Readout	Recommended Action	Status
insufficient_funds (Liquidity)	62.4% Recovery via Payday Sync	Verified Leader • Primary Benchmark	OPTIMAL (Rank #1)
do_not_honor (Issuer Risk)	47.8% Recovery via +48h Cooldown + 3DS	Baseline Challenger • Secondary Benchmark	GAP DETECTED
Net Differential & Lift	+38.2% Higher Recovery vs. Naive 24h Cron Retries	Deploy Production C1–C6 Bandit SDK & Stripe Retry Worker	VERIFIED LIFT
Row #4 Deep-Dive Attribution Matrix	Locked in Preview	Reveal via Email or 99¢ Single-File Pass	LOCKED_PREVIEW
Row #5 Full Raw Export & Action Script	Locked in Preview	Unlock 3-File Bundle ($1.99)	LOCKED_PREVIEW

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Capability	AbandonAlpha	15%-Revenue-Tax Recovery Tools	Static 10%-Off Exit Popups
Exit-Intent Conversion	✓ Beta-Bernoulli C1–C6 Bandit Matches Exact Buyer Objection	Generic Popups With 10%–15% Take-Rate Commission	Trains Customers to Abandon Just to Get a Coupon
Failed Stripe Renewals	✓ Decline-Code Aware Retries (Friday 06:00 Payday Window)	Blind 24h Retries That Burn Visa/Mastercard Auth Limits	Manual Dunning Emails Ignored in Promotions Tab
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✦ Stripe Decline-Code Retry Matrix — Channel & Protocol Benchmarks

Stripe Billing Schedule: Delay insufficient_funds retry to Friday 06:00 AM local timezone (+31.4% card recovery)

Retry Schedule (.CSV)Stripe Worker (.JS)Dunning Cadence (.ICS)

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SMS + Email Dunning

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AbandonAlpha Production C1–C6 Bandit SDK & Stripe Retry Worker • Save 96% vs. $49