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

# Payment Failures & Multiple Cards

> How Nomey handles failed payments and multiple cards on file.

# Payment Failures

If a User's default payment method fails, Nomey utilizes Stripe's AI-driven retry logic to maximize the chances of a successful payment.
Only after all retry attempts have failed and Stripe have flagged the invoice as failed do we attempt to charge the fallback cards.

## Multiple Cards

When a user has multiple cards on file, Nomey follows a strict retry sequence to maximize payment success while minimizing operational complexity.

### Flow

1. **Default Card**\
   Stripe performs AI-guided retries on the default card automatically.

2. **Fallback Cards**\
   Only after all retries on the default card fail will Nomey attempt charges on the other cards on file.
   > ⚠️ Non-default cards do **not** get AI-guided retries.

### Implications

* Aligns with Stripe’s built-in retry logic.
* Reduces risk of negative balances.
* Provides clear guidance to customer support for troubleshooting failed payments.
* Ensures a smooth user experience by minimizing payment disruptions.