We can view transactions in two categories: those initiated by the cardholder (customer), and those initiated by you or us (called merchant-initiated, or sometimes, in slang, a rebill).
A cardholder initiated transaction may be that a cardholder is on a checkout page trying to place an order. If a transaction is declined, in that case, you can present your customer a message and an opportunity to attempt to pay again.
A merchant-initiated transaction is often going to be a recurring payment, that Rebilly triggers at a pre-scheduled time. If that merchant-initiated transaction is declined, we recommend following our retry strategy.
If you have any questions or need assistance with implementing Rebilly, please contact us. You can email us at firstname.lastname@example.org, chat with us or schedule a talk with a billing specialist below.