Looking for Custom API Solution: Auto-Retry Failed Payments Using Secondary Card/s

[DANNAV0210]

Hi everyone,

We’re looking for guidance and/or a developer referral for a custom Authorize.Net API solution.

Our setup:
• WooCommerce Subscriptions manages recurring billing
• Authorize.Net stores customer payment profiles with multiple cards on file (CIM)

Requirement:
When a subscription payment fails on the default card, we want to automatically attempt charging another saved card under the same customer profile in Authorize.Net, without manual intervention.

We understand this is not a native feature in Authorize, and we’re specifically exploring whether this can be done via custom API logic.

We’d appreciate help with:

1. Confirmation that this workflow is technically feasible via Authorize.Net APIs

2. Any known limitations or best practices

3. Recommendations or contact from certified developers who have built similar solutions

Thank you in advance!

[johncarter12]

Hi! Yes, what you’re looking to do is technically feasible with a custom solution. You’d need to implement backend logic that:

1. Detects when a subscription payment fails via webhook or API response.

2. Pulls the customer’s saved payment profiles from Authorize.Net (CIM).

3. Attempts charging the next available card automatically.

4. Updates the subscription status based on the outcome.

It’s important to handle retries carefully to avoid multiple declined charges and ensure compliance with payment rules. Others have discussed similar auto-retry workflows for recurring payments, which might be helpful:

https://community.developer.cybersource.com/t5/visit siteIntegration-and-Testing/Retry-failed-ARB-payments/td-p/65135