# Handling Failed Subscription Payments

Learn how Finix handles failed subscription payments and retries charges on your behalf.

## First Payment for a Subscription

When a Subscription is created, Finix creates a `first_charge_at` field that tells you when Finix will attempt a payment. This is based on whether the `Subscription` has a trial phase and when the start date of the `Subscription` is.

You can view the First Payment Description in the Dashboard on the Subscriptions List Page for easy reference.

When Finix attempts to debit the `payment_instrument` associated with the Subscription, a `Transfer` resource will be created. The `Transfer` resource contains information about the `state`, `payment_instrument`, and more.

Once a Subscription is created, you can [view all its associated payments](/guides/subscriptions/viewing-subscription-payments) from the subscription details page.

## Subscription Payment Re-attempts (Dunning)

If the initial `Transfer` fails, Finix will automatically retry the payment according to the following dunning schedule:

- 1 day after the initial failure
- 3 days after the initial failure
- 8 days after the initial failure
- 15 days after the initial failure


If the final `Transfer` at 15 days fails, the subscription will be canceled automatically 19 days after the initial failure.