Payment Options and Failure Handling Audit
Check what happens when payment fails.
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.
Audit payment options and failures. Methods offered, error messages shown, retry behaviour and follow-up emails: [PAYMENT_DETAILS]. Failed payment rate if known: [FAILURE_RATE]. Customer reports: [CUSTOMER_REPORTS]. Walk through a declined card, a timeout and a double click. Check clarity of messages, preservation of the cart, avoidance of duplicate charges, 3-D secure style prompts, and alternative methods. Identify messages that blame the customer. Return a scenario table with Scenario, Current behaviour, Problem and Fix, a score from 1 to 10, and wording for three error messages. Do not request real card details; payment rules are [VERIFY] with the provider. Also check what the customer sees on mobile when a banking app opens and returns, how long the cart is held, and whether a failed order still reserves stock. Suggest a log of failure reasons that does not store payment details, and a weekly review by the owner. Then write a payments reliability and customer communication plan. List the failure types: declined, timeout, duplicate attempt, expired session, mismatched address and provider outage, and for each write what the customer should see, what the system should log without storing payment details, and what the support team should say. Draft three messages under 60 words for the checkout screen and one email for a failed payment that offers help and a secure way to retry. Define monitoring: failure rate by method and device, alerts for unusual spikes, and a weekly review of the top reasons. Suggest an incident procedure for a provider outage including a banner and a status page. Add test cases for the sandbox environment with the provider's published test values only, and never real card data. Explain how to reconcile orders, payments and refunds daily. Provider rules and payment standards are [VERIFY] with the provider. Close with a summary for the owner that names the single highest-impact fix, the person who should make it and a date on which to check that it worked.
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