If a payment fails (primary and all backup cards declined), AlyaPay has a notification system to help you resolve it quickly. Here's exactly what happens and what you need to do.
When does a payment fail?
A payment fails when:
Primary card declined
All backup cards also declined
Common reasons:
Insufficient funds in all accounts
All cards expired
Cards blocked by bank
Technical issue with card
SMS reminder schedule
You'll receive reminders to help you resolve the issue:
You'll receive the 1st SMS when the payment fails
A REMINDER SMS is sent 48 hours after failure
A FINAL REMINDER SMS is sent 96 hours after failure
What you need to do
Act as soon as possible! Here are your options:
Add funds to existing card
Update existing card details
Add a new card
Contact support
How to retry a failed payment
Once you've resolved the card issue:
Go to Purchases page
Find purchase with warning
Click on the purchase
Click "Make Payment" button
Confirm payment
Tracking failed payments in Activities page
The Activities page is your complete transaction log.
To access:
Go to main menu
Tap/click Activities
See all transactions chronologically
Related article: Understanding your Activities page (see Article 6)
Consequences of not resolving failed payment
Grace period: 4 days
After grace period:
Possible consequences:
May affect future purchase eligibility
Account may be temporarily restricted
May impact credit score (if reported to Credit Info)
Preventing payment failures
Best practices:
✅ Maintain sufficient funds in primary card
✅ Add at least one backup card from different bank
✅ Enable notifications for upcoming payments
✅ Check balances day before payment due
✅ Update expired cards promptly
✅ Use Activities page to track payment patterns
Pro tip: Set calendar reminders 2 days before each payment date!
Frequently asked questions
Q: Will I be charged multiple times if I retry several times?
A: No, only one successful payment will go through. Failed attempts don't charge you.
Q: Do SMS reminders cost me anything?
A: No, all SMS notifications from AlyaPay are free.
Q: Can I change the SMS reminder schedule?
A: No, the schedule (Day 0, Day 2, Day 4) is fixed for all users.
Q: What if I'm traveling and can't resolve it immediately?
A: Contact support via chat. They may be able to extend grace period or work out a solution.
Q: Will my purchase be canceled if payment fails?
A: No, your purchase remains active. You still owe the amount and need to resolve it.
Q: Can someone else pay for me?
A: Yes, you can add someone else's card (with their permission) as a payment method and retry.
Q: Will a failed payment show on my credit report?
A: Typically only if unresolved for extended period (weeks/months). Resolve quickly to avoid this.
Q: Can I skip this payment and pay the next one?
A: No, you must resolve failed payments before making future payments.