# Payment retry - Dunning

When an invoice that is eligible for [auto pay](/billing/payments/auto-pay.md) fails to process it enters a dunning process.  By default the platform attempts to take payment 3 times automatically, every 48 hours, for invoices that fall under the dunning process, deposit and ad hoc invoices are not included.  If the payment fails for a 3rd time we will cease attempting to automatically take payment and you will need to process the payment manually via "Pay invoice".

{% hint style="danger" %}
Attempting too many times can cause your account to get flagged by payment processing networks like Visa and Mastercard.  Loopit takes a cautious approach whilst minimising risk of overdue balances.
{% endhint %}

If you are using our API the field `payment_attempts` will show the number of *automated* attempts made.

### How often attempts are scheduled

If a payment fails then a re-attempt, up the maximum retries configured, will be scheduled for 24 hours later.  This gives an adequate opportunity for the booking applicant to resolve the issue.

If you are using our API the field `payment_charge_at` is the UTC time the next attempt will be made.

### How to stop automatic attempts

To prevent the platform from automatically attempting an invoice again you can disable the automatic attempt.

#### From the overdue invoices report

Click on the action menu and select "Disable next retry".  Confirm you wish to disable.

#### From the invoice overview page

From the overview section click "Disable automated payment retry" and confirm you wish to disable.

<figure><img src="/files/EsRcM46MYaVqcrxpqLt5" alt=""><figcaption><p>Disabling the next attempt from the invoice overview</p></figcaption></figure>


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.loopit.co/billing/payments/payment-retry-dunning.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.