Should a Failed Payment Be Retried?

Judgment question

Does the system have the right to retry a payment without new and explicit authorization?

Conditions that invalidate automatic retry

Automatic retry is not legitimate when all of the following are true:

• The result of execution is irreversible
• Authorization is not fresh
• Execution state is not fully confirmed

Verdict

In this situation, retrying a payment without renewed authorization is not a legitimate system action.

Continuation shifts responsibility improperly from decision-makers to automation.