Banking & FinanceCollectionsPayment Recovery

Razorpay Payment Failure Recovery Agent

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

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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.

See How It Works

The AI Employee executes each step autonomously - no human intervention required unless explicitly configured.

Failure Detection

15-Min WhatsApp Recovery

2-Hour Voice Follow-Up

6-Hour SMS Reminder

Recovery Attribution

Step 01

Failure Detection

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

Step 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.

Step 03

2-Hour Voice Follow-Up

If payment still unpaid, AI calls the customer, explains the failure, and guides them through retry on-call.

Step 04

6-Hour SMS Reminder

Final SMS with payment link and a simple message. COD switch-offer included for eligible orders.

Step 05

Recovery Attribution

Successful recovery method and channel logged in CRM for payment health analytics.

Key Results

38%

Failed payment recovery rate

82%

Recovery within 24 hours

₹12L+ avg

Revenue recovered per month

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.

What's the typical recovery rate?

30–45% of failed payments are recovered within 24 hours using this sequence.

Is this compliant with RBI guidelines on payment retries?

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

Payments Integration

Built for Razorpay

This template is purpose-built to connect with Razorpay. All workflow steps, data sync, and activity logging work natively - no middleware required.

✓Native Razorpay API integration

✓All activity logged back automatically

✓No middleware or Zapier required

✓Live in under 7 days

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