Retry failed bank transactions

Because banks often decline a transaction, I am having to spend a lot of time on the phone with STRIPE, in chat with IGMS, and messaging back and forth with the guest, trying to complete transaction that fails as a result of the bank’s declination. Usually the bank and guest communicate and the bank clears the way for a transaction. BUT IGMS doesn’t retry the transaction. Retrying automatically after a day or so would save hosts like me who experience this problem a lot of time