Insufficient funds
Card is valid but the bank refused for funds. Often timing, not intent.
The signal
Card is valid but the bank refused for funds. Often timing, not intent.
What to do
Offer a retry date that suits the customer (payday, end of month) — don't assume they need to change cards.
Drawer action
Email customer with retry-date options. Optionally offer to split into installments.
Email strategy
Non-judgemental. 'Want us to try again on the 1st?' beats 'Your payment failed'.
Snooze default
Until the chosen retry date.
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