Banking & FinanceCollectionsPayment Recovery

Razorpay Payment Failure Recovery Agent

The Razorpay Payment Failure Recovery Agent is a Banking & Finance collections template that an AI employee runs end to end, covering failed payment detection, intelligent retry scheduling and whatsapp recovery link. When a Razorpay payment fails (card decline, bank timeout, insufficient funds), the AI Employee triggers within 15 minutes. It sends a WhatsApp with a fresh payment link, follows up with a voice call if unpaid in 2 hours, and sends an SMS retry at 6 hours. Recovery status and method logged for analytics.

AI operates via

Voice AgentWhatsApp AutomationSMS AutomationCRM Sync

Deploy This Template

How It Works

01
Failure Detection
Razorpay webhook fires on payment failure event. AI classifies failure type: soft decline, hard decline, bank timeout, or user abandon.
02
15-Min WhatsApp Recovery
AI sends a WhatsApp with a fresh payment link. For soft declines, AI explains the issue and suggests alternative payment method.
03
2-Hour Voice Follow-Up
If payment still unpaid, AI calls the customer, explains the failure, and guides them through retry on-call.
04
6-Hour SMS Reminder
Final SMS with payment link and a simple message. COD switch-offer included for eligible orders.
05
Recovery Attribution
Successful recovery method and channel logged in CRM for payment health analytics.

TL;DR

When a Razorpay payment fails (card decline, bank timeout, insufficient funds), the AI Employee triggers within 15 minutes.
Configure the workflow for your Banking & Finance Collections team, with the knowledge, system access and approval rules it needs.
Runs across Voice Agent, WhatsApp Automation, SMS Automation, CRM Sync with a single AI Employee orchestrating all touchpoints.
Workflow scope includes Failed payment detection, Intelligent retry scheduling, WhatsApp recovery link.

When to Deploy This Template

Use this workflow to coordinate customer enquiries, application follow-up or account servicing. Define access to banking records, contact rules and the decisions reserved for authorised banking staff.

See How It Works

Confirm permitted actions, exception handling and human ownership for your deployment.

Workflow step 1 of 5

Failure Detection

Razorpay webhook fires on payment failure event. AI classifies failure type: soft decline, hard decline, bank timeout, or user abandon.

Evaluate the outcome

Define a baseline, a measurement period and acceptance criteria for this workflow before evaluating its impact.

Why This Template vs. Building In-House

Criterion	Build In-House	Deploy with UnleashX
Launch preparation	Build and test the workflow infrastructure	Configure roles, connections and acceptance tests
Engineering work	Maintain the agent runtime and integrations	Configure supported tools; scope custom connections where needed
Language coverage	Select and evaluate language models and voices	Select supported languages and test your business vocabulary
Channels	Implement each channel and its handoff logic	Configure supported channels around the employee’s responsibility
Integrations	Implement authentication, operations and recovery	Use available connectors and define permitted reads and writes
Governance	Build access, approval and audit controls	Configure permissions, human approvals and review requirements
Cost planning	Account for development, infrastructure and support	Scope platform usage, configuration and ongoing operations
Additional workflows	Extend and test the existing implementation	Reuse approved knowledge and connection patterns, then evaluate the new role

Frequently asked questions

Which Razorpay failure event types are handled?

Handles: card declined, bank not responding, UPI timeout, net banking failure, wallet insufficient balance, and user abandon.

Can it offer EMI as an alternative on payment failure?

Yes. For orders above configured threshold, AI can offer Razorpay EMI as an alternative on payment failure.

Does this work for Razorpay Subscriptions too?

Yes. Subscription payment failures trigger the same recovery sequence.

Is this compliant with RBI guidelines on payment retries?

Yes. Retry logic is designed within RBI's guidelines on automated payment retry schedules.

Conclusion

The Razorpay Payment Failure Recovery Agent template takes a workflow that typically consumes Collections team time and hands it to an autonomous AI Employee. Scope the responsibility, connect the systems of record that confirm completion, and agree the escalation path before launch. Define a baseline and a measurement period so the result can be evaluated against your current process rather than an assumed benchmark.