Intelligent Recovery Schedule
Our AI-optimized retry schedule balances urgency with customer experience. Five attempts over 25 hours—scientifically proven to maximize recovery without causing friction.
Immediate
0 minutesThe instant a payment fails, Tinko generates a personalized Smart Retry Link™ and delivers it via the customer's preferred channel (WhatsApp or Email). This immediate response captures customers while the purchase intent is strongest.
First Gentle Reminder
+15 minutesA subtle follow-up for customers who may have missed the initial notification or needed a moment to resolve banking issues. The message tone remains helpful and non-pushy.
Second Attempt
+30 minutesThe final attempt within the first hour. This timing is optimal for capturing customers who were temporarily unavailable or dealing with quick banking fixes (e.g., insufficient balance, OTP issues).
Mid-Day Recovery
+6 hoursA strategic pause before the mid-day reminder. This allows customers time to resolve technical issues (bank outages, card limits) while re-engaging them during high-activity hours.
Final Opportunity
+24 hoursThe final outreach, timed 24 hours post-failure. This captures customers who resolved payment issues overnight or received their salary/credit limit refresh. The message includes a gentle urgency reminder.
Key Principles
Respectful by Design
Each message is personalized, minimal, and non-intrusive. We respect customer time and attention.
Auto-Cancellation
When a customer completes payment, all subsequent retry attempts are immediately cancelled. No redundant messaging.
AI-Optimized Timing
Our schedule is backed by behavioral analytics and A/B testing across millions of recovery attempts.
Channel Flexibility
Merchants can configure recovery channels (WhatsApp, Email, or both) and tone preferences (Friendly, Professional, Witty).