The confirm payment banner
Sometimes a member's bank wants them to approve a renewal in their banking app. Until they do, the money has not moved. Retrying the card does not help, because the bank is not asking about the card.
The same banner also sits in the Your membership box at the top of the account hub, so the member sees it the moment they sign in to their account.
What the member sees
The banner names the amount, explains that retrying the card will not help, gives the date their access stays valid until, and offers a Confirm payment button that opens their bank's confirmation page.
For a member on Opn Payments the same Confirm payment is also at the top of FMS's billing page.
Members on Opn Payments
Opn Payments renewals are not normally checked by the bank. When one is, the banner shows the same way, since plugin 0.48.0. Confirm payment opens the bank's page through Opn Payments, and the banner says your bank's secure page instead of Stripe's secure page.
The Opn link works once
The bank's page for an Opn payment can be opened only once. If the member closes it half-way, the payment stays waiting. They can save a new card on FMS's billing page instead: FMS then charges it at once.
What to tell them
Your bank has asked you to approve this payment. Sign in to your account on our site and press Confirm payment at the top of the page. It opens your bank's page. Your membership stays active in the meantime.
What not to do
Do not ask them for a new card
A new card starts a new payment and can end up charging them twice. The only thing that clears this is the confirmation link.
Do not cancel and re-create the membership either. Same reason.
What staff can see
The invoice is held in a waiting state and the member keeps access for a bounded window. FMS raises a health alert while any member is in this state, so it shows on Health. It clears itself the moment the payment succeeds or finally fails.