Failed recurring payments are typically retried by the payment processor(Paypal) and there shouldn't be anything we need to do manually.
For PayPal, they will retry every 5 days, 3 times. Then try again at the next rebill period. If payments continue to fail for 5 times in a row, they will suspend/cancel the subscription. If the payment was part of a payment plan, if the payment is skipped after 3 failures, it's added to the end of the plan so the correct amount of charges are processed.
PayPal will continue to retry these payments and if they continue to be unsuccessful they will get cancelled. PayPal will also be letting the user/member know they've been unable to draw the funds from their PayPal balance or backup funding source.
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Failed rebills is a natural part of subscription payment and is not an indication of any problems.
Failed recurring payments are typically retried by your payment processor and there shouldn't be anything you need to do manually (unless you're using auth.net). When failed rebills are retried does depend on the payment processor that's managing the subscription. ThriveCart itself doesn't initiate your recurring billing as, unlike other platforms, we don't 'own' your subscriptions.
For Stripe, they have a few settings and these can be customised. By default, they use a 'smart retry' system that looks to try 4 times over a period of time you've set and they use the data from across the platform that shows when a rebill is more likely going to be successful. Your settings about failed payments can be managed here in your Stripe dashboard https://dashboard.stripe.com/account/billing/automatic.
You can also go into the customer's profile inside Stripe look at the failed invoice and it will tell you the reason why it failed. Such as insufficient funds or card expired for example. From there, you can also retry the failed invoice.
Now, in terms of customers cards expiring, your customers can access the customer hub and update their card details. Details can be found here: https://support.thrivecart.com/help-categories/the-customer-hub/ However, from the customer hub, if the subscription is cancelled due to too many failed rebill attempts. The customer is not able to reactivate. They would need to repurchase.
For PayPal, they will retry every 5 days, 3 times. Then try again at the next rebill period. If payments continue to fail for 5 times in a row, they will suspend/cancel the subscription. If the payment was part of a payment plan, if the payment is skipped after 3 failures, it's added to the end of the plan so the correct amount of charges are processed.