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Juo has built-in chargeback recovery features to help recover lost revenue from failed SEPA Direct Debit subscription payments. To better understand how SEPA payments and chargebacks work, see our SEPA Direct Debit guide. You can enable and configure chargeback recovery in the Retention tab of your Juo admin. Regardless of whether a dunning flow is enabled, any SEPA chargeback triggers the following actions:
  1. The order is refunded and tagged with chargeback.
  2. The subscription status is changed to Failed.
  3. A Chargeback Subscription event is sent to Klaviyo, including the chargeback reason.

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Chargeback Dunning Flow

For certain recoverable chargeback reasons, Juo can initiate a recovery (dunning) flow via Klaviyo. When chargeback dunning is enabled, Juo will:
  1. Create a duplicate draft order for the failed payment.
  2. Include a Shopify checkout link in the Chargeback Subscription event sent to Klaviyo.
  3. Automatically reactivate the subscription if the customer successfully pays the duplicated order.
Action required: Use this event in Klaviyo to build an automated recovery flow that asks customers to complete payment for the pending order. See the Klaviyo integration guide for implementation details.

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Auto-Retry for Insufficient Funds

For chargebacks caused by insufficient funds (AM04), Juo has an auto-retry mechanism that attempts to recover the payment before triggering Klaviyo dunning and failing the subscription. When auto-retry is enabled, Juo will:
  1. Re-attempt to charge the customer’s existing SEPA mandate after a fixed delay.
  2. Retry the charge multiple times before marking the subscription as failed.
  3. Only fall back to the Klaviyo dunning flow if all retry attempts are exhausted.
This helps recover payments automatically without customer involvement, especially for temporary balance issues.

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How Auto-Retry Works

  1. An AM04 chargeback occurs.
  2. The original order is refunded and a draft replacement order is created.
  3. Juo schedules a retry using the existing SEPA mandate.
  4. If the retry succeeds:
    • The draft order is completed.
    • The subscription continues without interruption.
  5. If the retry fails with AM04:
    • The next retry is scheduled.
  6. If all retries fail:
    • The payment method is revoked.
    • The Chargeback Subscription event is sent to Klaviyo to trigger the dunning flow.