Stripe Decline Code & Checkout Recovery Directory (60 Playbooks)

Payday Liquidity Window (1st/15th 06:00 Local + Friday +72h)

T+24h Cooled Off-Session Retry + Pre-Auth SMS Alert

Zero Auto-Retries → T+2m Passwordless Billing Portal Link

T+1m Instant SMS/Email FaceID 3DS Hosted Invoice Link

T+36h Cooled Retry + Network Token Fallback

T+10m Corporate Card / MCC Restriction Alert + ACH Option

Silent Backoff: T+15m, T+4h, T+24h (Zero Customer Friction)

Silent Retry at T+6h and T+24h Off-Peak Issuer Window

Strict +48h Rolling Window Cooldown Before Retry

Zero Auto-Retries → Instant T+1m CVC Re-Verification Link

Halt Retries Immediately → Dispatch Apple Pay / Backup Card Prompt

Permanent Retry Block → Verified Magic Link for Replacement Method

T+5m 3D Secure Step-Up Verification Link

In-Session Luhn Check + T+5m 1-Tap Wallet Checkout Link

Wait Until 1st of Next Calendar Month OR +72h Reset

Instant Local Currency (USD/EUR/GBP) Checkout Session Re-Generation

Reconcile Existing Succeeded Charge OR Retry After 15m Cooldown

Silent Exponential Backoff: T+10m, T+2h, T+12h

Sync Stripe Card Account Updater (CAU) Token + Retry at T+1h

T+5m Silent Retry + 1-Click Pre-Hydrated Checkout Link

Expire at T+30m → Fire Multi-Channel Recovery at T+31m

Inspect `last_payment_error.decline_code` → Route to Soft vs Hard Playbook

In-Session Pre-Cancel Modal (Before `cancel_at_period_end`)

T+0s In-Checkout Fallback + T+10m SMS Wallet Link

Embed Deep-Linked `payment_method_update` Flow in Every Dunning SMS/Email

Pre-Checkout Wrapper SDK + T+20m `checkout.session.expired` Hook

T+2m Verified 3DS2 Override Checkout Session

Offer `behavior: void` 30-Day Pause on C5 Objection

T-72h Webhook Trigger + Pre-Charge Card Validity Audit

T+5 Business Days NACHA-Compliant Retry + Instant Card Fallback

T+48h iDEAL / Bancontact / Apple Pay Instant Recovery Link

Surface 1-Tap Digital Wallet Express Button on First Card Decline

Hybrid: ML Time-of-Day + Payday Calendar + C1–C6 SMS Magic Links

Real-Time Webhook Audit + Pre-Expiration Card Reminder

T+0s Exit-Intent Bandit + T+15m SMS + T+4h Email Sequence

Sub-50ms Client Exit-Intent Script + Stripe Webhook Sync

Trigger C1–C6 Objection Modal When Cursor Moves to Close Paywall

In-Overlay Exit-Intent Detection + T+30m Recovery Email

Decline-Code Granular Retry + Pre-Cancel Bandit Interception

Zero-Migration Webhook Listener on Existing Stripe Account

Combine Pre-Checkout Exit-Intent Bandit + Post-Charge Smart Dunning

T+0s Objection Modal (Price vs Fit) + T+20m Bonus Stack Email

Paste 1-Line `<script>` in Webflow Custom Code Head

App Router Webhook Handler + Client Exit-Intent Telemetry Hook

Subscriber Event on Cart Inactivity + Client Velocity Hook

Detect Shipping-Step Drop-Off + Offer Free Express Shipping Arm

Intercept Multi-Pay Installment Declines on Payday Windows

Capture Step-1 Email → Trigger C1–C6 Bandit on Step-2 Exit

Continuous Posterior Update on Every Impression & Conversion

Fire When y_t < 48px, v_y < -0.65 px/ms, and tau < 65ms

Detect `document.visibilityState === hidden` + Rapid Scroll-Up

1-Click Micro-Survey Inside Exit Modal → Instant Offer Reveal

T+0s In-Session Modal → T+15m SMS → T+4h Plain-Text Email

Generate Instant Downloadable PDF Quote + 14-Day Price Lock

Trigger C5 Counter-Offer When User Hesitates on Recurring Toggle

Compute Net ERPV = theta * AOV * (1 - discount_cost)

In-Memory Ephemeral Velocity Vectors + Consent-Gated CAPI

Fire Deduplicated Server `Purchase` Event on Recovered Webhook

Replace Coupon Codes with White-Glove Concierge & Extended Warranty

Detect Annual Plan Sticker Shock → Offer Monthly Starter with First Month 20% Off