Library / Wire / Failed payment is a save path with a human, not a brand campaign

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Failed payment is a save path with a human, not a brand campaignIf dunning is only Stripe emails and GHL still thinks they are active, you will onboard ghosts.

Subscriptions and payment plans fail quietly. Stripe retries. A customer sits in GHL as member. Access stays on. Then a chargeback. Wiring dunning means invoice.payment_failed writes a GHL state, a finite message sequence, a task for high value, and success or cancel that flips the contact. This is ops, not a 'we miss you' flow.

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The short version

Intern through CEO

Subscriptions and payment plans fail quietly. Stripe retries. A customer sits in GHL as member. Access stays on. Then a chargeback. Wiring dunning means invoice.payment_failed writes a GHL state, a finite message sequence, a task for high value, and success or cancel that flips the contact. This is ops, not a 'we miss you' flow.

  1. 01

    Stripe’s built-in emails can be the message owner or GHL can — not both. Two dunning systems is harassment.

  2. 02

    GHL must know past_due. Otherwise your community, Skool, and onboarding keep treating them as paid.

  3. 03

    Copy is practical: update card, what happens to access, a human if they are stuck. Not a brand story. Not a discount on day one of a failed card (that trains failure).

  4. 04

    High AOV or B2B: a human call/WhatsApp. A sequence alone is how you lose a $12k plan to a declined card.

  5. 05

    When they pay, stop. The usual bug is dunning continuing for a day because the success event was not wired.

Who

Same system. Three jobs.

Read your row

Intern

What you actually do

Test-mode fail and recover. State flips. One sender. You are not writing a novel. You are proving stop-on-success.

Operator

What you protect

Dunning is ops. Protect one sender and GHL state. Human on high AOV. Easy cancel at the end. Access truth.

CEO

What you refuse to fund

Unpaid members in the CRM are a lie. past_due match is the number. Chargebacks are the expensive version of this leak.

Wire

How to connect it

Objects, then edges

Stripe invoice/subscription, payment_failed, payment_succeeded, GHL contact, status past_due, dunning workflow, human task threshold, access flag, Conversations.

  1. 01

    payment_failed → GHL past_due; dunning sequence starts; active-member perks/messages that assume paid pause

  2. 02

    payment_succeeded after fail → past_due clears; dunning stops immediately

  3. 03

    Final fail / subscription canceled → churned; access off; finite save or stop

  4. 04

    Amount above threshold → task for a named human the same day

Steps

Do this in order

Why, then done when
  1. 01

    Pick one dunning sender

    Stripe-only or GHL-only. Turn the other off. Document templates so you are not surprised by Stripe’s default tone.

    Why: Double dunning is how you get angry customers and chargebacks.

    Done when: A failed test card produces messages from one system.

  2. 02

    Write failed and succeeded into GHL

    Webhooks: past_due on fail, clear on success. Store last_error if useful. Match email identity like any Stripe wire.

    Why: State in Stripe and 'customer' in GHL is two books, same as unpaid Won.

    Done when: Test fail flips GHL. Test success flips back. Access-related tags match.

  3. 03

    Finite sequence with an access truth

    Day 0, 2, 5 (example): pay link, access warning that is true, then cancel/stop. Do not invent a 14-email guilt novel.

    Why: Endless dunning hurts domain and brand. Truthful and short is ops.

    Done when: A never-pays test stops after the last step and is not still 'member'.

  4. 04

    Human threshold

    If amount or offer in a list: task to owner same day with phone. Workflow still runs unless they pay.

    Why: High-ticket failed cards are a sales/CS job, not only an email job.

    Done when: A high-amount test creates a task. A $9 test does not have to.

  5. 05

    Reconcile past_due Monday

    Stripe past_due vs GHL past_due. Access that should be off. Chargebacks tagged.

    Why: Drift is how people keep logging into a campus they are not paying for.

    Done when: Counts match or exceptions named.

What an intern should wire first

Use Stripe test clocks or a test mode fail. Confirm one sender, GHL past_due, success stops messages, high-amount task if you have a threshold. Confirm a member-only GHL workflow would not mail them as if paid. Do not rewrite brand voice.

What a CEO should refuse to fund

A retention creative project or a new campus feature until past_due is true in GHL and dunning has one owner. Features for non-payers are a leak.

The usual failure

Stripe emails on. GHL also 'we miss you'. Status still member. Skool access on. No human on the $8k plan. Success event not wired so they get dunned after they pay. That is how chargebacks happen.

The test that proves it

Fail → one sender + GHL state. Success → stop. Final fail → not member. High amount → task. Monday count match.

Why

Questions people actually ask

Pushback is normal

Can we offer 20% off when the card fails?

Usually you train failed cards. Fix the card first. Discounts are a cancel conversation, not a dunning default.

What if they failed because they meant to cancel?

The last step can be a cancel link that is easy. Hiding cancel and dunning hard is how you get chargebacks.

Does this apply to one-time failed checkouts?

That is cart/checkout recovery, a different job. Dunning is for an existing obligation. Do not mix the copy.

This week

This week: one dunning sender, fail/success webhooks, finite sequence, human threshold, past_due match. No extra discount dunning.

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Working notes

GHL Engine Checklist

The minimum CRM, pipeline, and nurture spec before you add more pages. Request the file. It arrives by email — not a public dump, not a drip of slogans.

Request the notes ↗
Next

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