You will be notified as soon as a payment fails and after 24 hours you will be charged a late fee. You'll receive a notification via call, email, SMS, or WhatsApp, along with a link to settle the payment yourself before proceeding to the next steps.
To give you a fair chance, the failed payment will attempt again in 7 days. If, unfortunately, the payment fails again, we'll repeat the process up to 3 times, ensuring we support you in fulfilling your payment obligations.
In the event that the late fee payment also fails, we'll charge the transaction amount, late fee, and any applicable interest charges together, 7 days after the first payment failed.
At Happy Pay, we believe in transparency and fairness. Our goal is to assist you in successfully managing your payments and ensuring a smooth shopping experience.