---
title: "Enabling and Configuring an Automated Action on a Declined E-Pay Transaction"
slug: "enabling-and-configuring-an-automated-action-on-a-declined-e-pay-transaction"
updated: 2026-07-14T14:51:27Z
published: 2026-07-14T14:51:27Z
canonical: "help.idibilling.com/enabling-and-configuring-an-automated-action-on-a-declined-e-pay-transaction"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.idibilling.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Enabling and Configuring an Automated Action on a Declined E-Pay Transaction

Click **ENABLE** to enable the functionality.

**(Show Picture)**

![UG template for Help](https://cdn.us.document360.io/3f7f8ade-bcb1-4ec8-af25-0c0ad8601afb/Images/Documentation/86328.png?sv=2026-02-06&spr=https&st=2026-11-14T10%3A51%3A59Z&se=2026-11-14T11%3A51%3A59Z&sr=c&sp=r&sig=ng2z9RhYUWTIukxP7w6R08wfyGg6CL4yicXq%2FIiRpuw%3D)

This displays a dialog with two tabs. You can only use one of these tabs.

#### Standard

Using the Standard tab auto-creates a workflow definition based on the vsettings provided.

**(Show Picture)**

![UG template for Help](https://cdn.us.document360.io/3f7f8ade-bcb1-4ec8-af25-0c0ad8601afb/Images/Documentation/87752.png?sv=2026-02-06&spr=https&st=2026-11-14T10%3A51%3A59Z&se=2026-11-14T11%3A51%3A59Z&sr=c&sp=r&sig=ng2z9RhYUWTIukxP7w6R08wfyGg6CL4yicXq%2FIiRpuw%3D)

This Workflow uses a new Handle Declined Transactions Action to retry transactions. The workflow will:

- Perform up to three retries based on the configured number (1, 2 or 3).
- Mark transactions as not retriable after the maximum number of retries.
- Allow for a configured number of wait days between retries.
- Check that the customer’s account has a balance greater than $0.

> [!NOTE]
> Note
> 
> This tab does not support declined ACH transactions. If you require handling ACH transactions as well, you’ll need to use the Advanced tab and request assistance from IDI to set up separate workflows for credit and ACH transactions.

| Number of Retries | Select from the drop down menu the number of times to retry a declined credit card transaction (1, 2 or 3) |
| --- | --- |
| Days Between Retries | Enter the number of days to wait between each retry attempt. This field defaults to 0, meaning a retry will occur every time the recurring trigger runs based on the configured Frequency. |
| Don’t Evaluate After X Days | Transactions older than the entered number of days will not be evaluated. |
| Balance To Date | Lets you direct the retry logic to use the balance to date on the account rather than the original transaction amount. Balance to date includes the sum dollar amount of the current balance and past due balance and any posted payments and adjustments that have not yet been invoiced. |
| Frequency | Select how often the recurring trigger should run (Daily, Weekly or Monthly) |

#### Advanced

The Advanced tab is for experienced Workflow users and lets you create a custom Workflow for Credit Card and/or ACH transactions.

**(Show Picture)**

![UG template for Help](https://cdn.us.document360.io/3f7f8ade-bcb1-4ec8-af25-0c0ad8601afb/Images/Documentation/87754.png?sv=2026-02-06&spr=https&st=2026-11-14T10%3A51%3A59Z&se=2026-11-14T11%3A51%3A59Z&sr=c&sp=r&sig=ng2z9RhYUWTIukxP7w6R08wfyGg6CL4yicXq%2FIiRpuw%3D)

> [!NOTE]
> Note
> 
> It is recommended to not use the same workflow for both Credit Card and ACH processing since retrying ACH payments can have a financial impact on end users as they may receive overdraft fees.

| Credit Card Workflow | Select the Workflow you configured to act on declined credit card payments. If no workflow is selected no action occurs. |
| --- | --- |
| ACH Workflow | Select the Workflow you configured to act on declined ACH payments. If no workflow is selected no action occurs. |
| Don't Evaluate After X Days | Don't evaluate transactions older than a specified number of days. |
| Balance To Date | Lets you direct the retry logic to use the balance to date on the account rather than the original transaction amount. Balance to date includes the sum dollar amount of the current balance and past due balance and any posted payments and adjustments that have not yet been invoiced. |
| Frequency | Select how often the recurring trigger should run (Daily, Weekly or Monthly) |

#### Saving Your Settings

Upon clicking **SAVE**, a recurring trigger is created based on the configured Frequency, an internal SaaS configuration setting is enabled, and the **ENABLE** button becomes a **DISABLE** button. Also, a Workflow definition is auto-created if you used the Standard tab.

Click **DISABLE** if you want to stop using this functionality. This deletes the trigger. In this case you would need to re-enable and re-enter the parameters if you want to use this functionality again.