Action

23982db4-e57d-4574-835b-44b33ac9a71a

All actions

Checkout recoveryWhatsapp retry linkBlocked

Send a en-US WhatsApp checkout recovery message for ₹1,499.00

Stopped by quiet hours local

Proposal

What the module wants to do and why, in its own words.

Money impact: none
Expected recovery: ₹1,499.00
Entity: Payment pay_0001_10e96f62
Trigger event: evt_0001_b3af9c14
Idempotency key: checkout_recovery:payment:pay_0001_10e96f62:1

Explanation

The payment failed during payment authentication with an authentication_failed reason from the issuer, indicating a 3-D Secure authentication failure rather than insufficient funds or a generic issuer decline.
Locale en-US selected from the customer's persisted preference.
Retry link is deterministic for payment pay_0001_10e96f62 on 2026-09-06: https://rzp.io/l/aegis-56CA7SFW

Guardrails

Every bound evaluated before anything could run (C-B1).

7 passed, 1 failed

Customer opted outpassed
limit noactual no
Customer messaging is allowed only when opted_out is false.
Payment amount positivepassed
limit > 0 paiseactual ₹1,499.00
Recovery links are created only for a positive payment amount.
Strategy allowedpassed
limit ["RETRY_LINK_LOCALIZED","RETRY_ALTERNATE_METHOD","CART_RECOVERY_NUDGE"]actual RETRY_LINK_LOCALIZED
Only the three checkout recovery diagnosis strategies map to a WhatsApp template.
Payment entitypassed
limit paymentactual payment
Checkout recovery actions are scoped to payment projections.
Kill switchpassed
limit noactual no
Message cooldown hourspassed
limit 24actual —
Quiet hours localfailed
limit {"end":8,"start":21,"timezone":"America/New_York"}actual {"hour":2,"timezone":"America/New_York"}
local hour 2 is inside quiet hours
Daily discount budget paisepassed
limit ₹50,000.00actual ₹42,000.00

Diagnosis

openai gpt-5.6-luna in 7.9 s

model

Root cause: Three ds auth failed
Strategy: Retry link localized
Confidence 98%
Rationale: The payment failed during payment authentication with an authentication_failed reason from the issuer, indicating a 3-D Secure authentication failure rather than insufficient funds or a generic issuer decline.
Deterministic cross-check (agreed): No notes.

Outbound payload

Nothing was sent. This is the payload the proposal carries.

{
  "to": "+1••••••42",
  "type": "template",
  "template": {
    "name": "aegis_checkout_retry_link_v1",
    "language": {
      "code": "en_US"
    },
    "components": [
      {
        "type": "body",
        "parameters": [
          {
            "text": "Your payment of ₹1,499.00 could not be completed. Try again securely.",
            "type": "text"
          }
        ]
      },
      {
        "type": "button",
        "index": "0",
        "sub_type": "url",
        "parameters": [
          {
            "text": "https://rzp.io/l/aegis-56CA7SFW",
            "type": "text"
          }
        ]
      }
    ]
  },
  "messaging_product": "whatsapp"
}

Timeline

Created 06 Sept, 12:08:51

Diagnosed by openai
Three ds auth failed
06 Sept, 12:08:51
Proposed by checkout recovery
Reason: Quiet hours local
06 Sept, 12:08:51

Raw proposal

The stored JSON, exactly as persisted.

{
  "kind": "whatsapp_retry_link",
  "module": "checkout_recovery",
  "payload": {
    "to": "+1••••••42",
    "type": "template",
    "template": {
      "name": "aegis_checkout_retry_link_v1",
      "language": {
        "code": "en_US"
      },
      "components": [
        {
          "type": "body",
          "parameters": [
            {
              "text": "Your payment of ₹1,499.00 could not be completed. Try again securely.",
              "type": "text"
            }
          ]
        },
        {
          "type": "button",
          "index": "0",
          "sub_type": "url",
          "parameters": [
            {
              "text": "https://rzp.io/l/aegis-56CA7SFW",
              "type": "text"
            }
          ]
        }
      ]
    },
    "messaging_product": "whatsapp"
  },
  "summary": "Send a en-US WhatsApp checkout recovery message for ₹1,499.00",
  "entityId": "pay_0001_10e96f62",
  "customerId": "cus_0001_91706ffc",
  "entityType": "payment",
  "explanation": [
    "The payment failed during payment authentication with an authentication_failed reason from the issuer, indicating a 3-D Secure authentication failure rather than insufficient funds or a generic issuer decline.",
    "Locale en-US selected from the customer's persisted preference.",
    "Retry link is deterministic for payment pay_0001_10e96f62 on 2026-09-06: https://rzp.io/l/aegis-56CA7SFW"
  ],
  "moduleVersion": "v1",
  "idempotencyKey": "checkout_recovery:payment:pay_0001_10e96f62:1",
  "moneyImpactPaise": 0,
  "requiresApproval": false,
  "expectedRecoveryPaise": 149900
}