Credit Card fails and no payment collected the following month

We use World Pay to process our payments.

I don't understand why -

If a customer who has a failed credit card is still in the recurring billing process of Amember and has not cancelled their membership, why their payment is not automatically tried for again the following month by Amember.

Who do I need to take this up with World Pay or Amember?

Thanks
Gail Cardell
www.CardellMedia.com

When the charges fail, the account is cancelled and they lose access to the site. Are you assuming after 30 days of no access they want to suddenly rejoin?

It would seem to me that upon cancellation, the agreement between seller and buyer is over and that if you charged them again in 30 more days it would be without consent. And these sort of charges might cause your merchant account to be in jeopardy.

Just my opinion. I use authorizenet for processing memberships and in the past year I have had zero chargebacks related to membership purchases. This allows authorizenet to offer me a lower rate. If I had many disputed charges I'd either lose my account or have to pay a higher % and have other restrictions.

Tom

Recurring Billing

"When the charges fail, the account is cancelled and they lose access to the site. Are you assuming after 30 days of no access they want to suddenly rejoin?
It would seem to me that upon cancellation, the agreement between seller and buyer is over and that if you charged them again in 30 more days it would be without consent. And these sort of charges might cause your merchant account to be in jeopardy."

Thanks for the reply Tom
but the customer to all intents and purpose has not cancelled their membership. Amember has !!
All that has happened is that their credit card for that month has failed.
There seems to be shortfall in Amember for this. They still have a recurring billing set up with Worldpay until I cancel it manually. They are still within my system on Amember and yes your correct that they cannot gain access for the month.

But surely if they have not cancelled their subscription and they still have an agreement for recurring billing set up with me and Worldpay (and Amember) then why is their no process to rectify this?
I have spoken with a member that this had happened to and they just thought that as their credit card had maxed out that month, they would just be billed the following month and regain access to the site.
This doesn't happen.
Thanks
Gail Cardell
www.CardellMedia.com

I agree with your point--that the customer didn't cancel, they just didn't pay. As someone with 1000 or so declined payments it would be nice to get a second shot at collecting. I think though that 30 days later is unwise for many reasons.

It would be resonable for declined charges to be retried again the next day and for a period of several days. Alex, if you're reading this thread--can this be done? As a future feature could you offer us a window of time to retry declined charges?

Tom

Recurring Billing

Hi Tom!
One more small point on this for others who may still be learning this process like me months down the line.

As Worldpay tries to take the payment for several days, I had a customer today whose payment finally went through after 4 days of attempts on Worldpay behalf. I get each days failure receipts from Worldpay but never a final confirmation that it did finally go through.

From my point of view like you mention the fact that the payment hasn't gone through means they no longer gain access to my membership and I keep daily records which they are removed from also.

I get no confirmation from Worldpay or Amember that the payment finally goes through days later and the customer can regain access to my site, but I have manually removed their records from my database!

Thanks for replies Toms, I have been emailing Alex for over two weeks now but heard nothing.
Gail Cardell
www.CardellMedia.com

To get a fast response try contacting support via the red link at the top of these pages saying, "CGI-Central doesn't provide official support via this forum. To get quick response to your question, please contact us using Trouble Tickets system Reply."

When I need help or info I use that system and rarely wait more than 12 hours for a response.

Tom

Membership Cancellation

Gail,

I have been trying in vain to cancel my membership with Chris Cardell and continue to get billed. Please can you assist.

Thanks,
Clint Jones