As we have moved to Adyen as our primary processor and WMF is prioritizing recurring as a key focus, I suggest it is time for us to implement Adyen's Auto-Rescue feature. The Auto-rescue feature helps us reattempt declined recurring donations with more intentional logic by market and by best time of day vs the 3x1 day apart reattempts we have implemented internally on our own systems. The explanation of the feature is documented here: https://docs.adyen.com/online-payments/auto-rescue and would require that we turn on web hook notifications for this and turn OFF our current retry logic.
Test instructions are here: https://docs.adyen.com/online-payments/auto-rescue/cards#test-auto-rescue