Explain the failure.
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Recovered

A normalized payment record, the proposed recovery path, and the complete audit trail behind it.

RAZORPAY TEST MODELast updated 2 Sept 2026, 5:12 pm

Amount at risk₹1pay_TXFGLjCtaAvqeR

Recoverability78/100High confidence band

Proposed actionCreate Payment LinkPolicy-controlled proposal

Recovered value₹1Closed 2 Sept 2026, 5:12 pm

Diagnosis and evidence

The normalized cause behind this failed payment.

Customer Auth

Customer authentication failed. A fresh, contextual payment attempt is more useful than repeated automatic retries.

Evidence used

Customer Contact Allowed

Error SourceCustomerRazorpay failure origin
Error StepPayment AuthenticationPayment-flow step
Error ReasonPayment CancelledNormalized failure reason
Error CodeBad Request ErrorProvider error code
Payment MethodCardNormalized payment method
Attempt Count1Failed attempts observed for this order
Classification RuleCustomer AuthDeterministic category selected from the observed signals

Payment ID: pay_TXFGLjCtaAvqeR
Order ID: order_TXFGAgGKAqY59Z
Payment method: Card
Payment status: Failed
Failure source: Customer
Failure step: Payment Authentication
Failure reason: Payment Cancelled
Occurred: 2 Sept 2026, 5:08 pm

Recovery actions

Recommendations remain separate from policy approval and execution.

Attempt 1: Create Payment LinkSucceeded

AI proposal · gpt-5.6-terra

This is a contact-safe customer-authentication failure with no prior recovery actions. A payment link avoids another automatic attempt and lets the customer retry when ready within the recovery window.

ERROR_SOURCE: customer — Razorpay failure origin
ERROR_STEP: payment_authentication — Payment-flow step
ERROR_REASON: payment_cancelled — Normalized failure reason
PAYMENT_METHOD: CARD — Normalized payment method
ATTEMPT_COUNT: 1 — Failed attempts observed for this order
fallbackAction: CREATE_PAYMENT_LINK

Approved

The proposal passed payment-state, merchant, consent, limit, cooldown, recovery-window, and duplicate-action checks.

92% confidence2 Sept 2026, 5:08 pmEligible 2 Sept 2026, 5:11 pm

Test Mode payment recoveredThe ₹1 Payment Link has been paid and needs no retry.

Customer context

The minimum identity and consent context used by policy.

Customer: demo.customer
External reference: +919000000099
Contact preference: Contact allowed

Decision trail

A chronological, inspectable audit of this recovery case.

01
Payment.failed.received2 Sept 2026, 5:08 pm · Webhook
A signed Razorpay Test Mode webhook created this recovery case.
02
Diagnosis.completed2 Sept 2026, 5:08 pm · Diagnosis Engine
Customer authentication failed. A fresh, contextual payment attempt is more useful than repeated automatic retries.
Decision: Customer Auth
03
Agent.proposal.created2 Sept 2026, 5:08 pm · Recovery Agent
This is a contact-safe customer-authentication failure with no prior recovery actions. A payment link avoids another automatic attempt and lets the customer retry when ready within the recovery window.