Choosing a Dunning Schedule

Dunning in Advanced Billing helps you manage failed Subscription payments by defining retry behavior, Customer email reminders, and final recovery actions. By selecting the correct Dunning Schedule based on your payment method, you can reduce revenue leakage, improve cash flow, and maintain better Customer communication across credit card, invoice-based, ACH, and direct debit Transactions.

Advanced Billing provides separate Dunning Schedules depending on how you collect payment. Select the schedule type that matches how your Subscriptions are paid.

Credit Card Dunning

Use Credit Card Dunning when Subscriptions renew automatically and you want to manage failed card payments with retries and email notifications. Credit card Dunning is the most flexible option for automatic payment retries.

Credit Card schedules support additional triggers:

• Mid-period Product Allocation failures, unique to Credit Card schedules.
• Awaiting Signup Payment Failure, also available for ACH and Direct Debit schedules.
• Trigger Dunning For Backdated Subscriptions, also available for ACH and Direct Debit schedules.

See Configure Credit Card Dunning to set this up.

Manual Remittance Dunning

Use Remittance Dunning when Customers pay manually from Invoices rather than by an automatic payment method.

Remittance Dunning differs from other schedules because:

• It works with Invoice net terms.
• It sends reminders but does not retry payments automatically.
• It applies only to eligible Invoices issued after a selected cutoff date.

This is the correct option for Relationship Invoicing and accounts payable workflows.

See Configure Manual Remittance Dunning to set this up.

ACH Dunning

Use ACH Dunning when Subscriptions collect payment through bank transfer (ACH/eCheck).

Important limitations apply to ACH schedules:

• ACH schedules are limited to 3 steps in total, including the final step.
• The final step can cancel the Subscription or mark it unpaid.

These constraints make ACH schedules more structured than credit card schedules.

See Configure ACH Dunning to set this up.

Direct Debit Dunning

Use Direct Debit Dunning when your site is connected to GoCardless and subscribers pay via direct debit.

Direct Debit schedules are similar to ACH but include timing rules:

• The minimum interval between retry steps is 5 days, due to processing time.
• The final step can't retry payment. It must be an email-only or silent final action.
• For earlier steps, you can send a notification-only step without retrying payment, to avoid additional gateway fees.

See Configure Direct Debit Dunning to set this up.