How to Send a Card Payment Reminder

Introduction

Card payment reminders are appreciated by customers as they help in settling bills on time and maintain their credit score. Such messages increase trust and customer satisfaction for Banks and FinTech apps focusing on credit card payments. Consistent reminders can prevent the unfortunate scenarios of failed payments or late fees that might jeopardize the relationship with users or even lead to churn. These reminders are often sent through Push, Email, SMS, and WhatsApp channels.

In this article, we will create a Push campaign to send a reminder to users about pending payment for their credit card 5 days before the due date.

Expected Result

Users receive on their phones about their credit card payment:

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Prerequisites

  • Events to track the action of a bill getting generated for a user and related information such as the card ID, bill amount, credit card name, due date. To understand how to track events, refer to the Developer Guide. In this example, we will name the event as "Bill Amount Generated". Also, this event should be configured to occur before we send the reminder about the due date.
  • Events to track the action of a bill paid by a user and related information such as the card ID, bill amount, paid amount, credit card name, due date. In this example, we will name the event as "Card Amount Paid". To understand how to track events, refer to the Developer Guide.
  • Settings for one or more channels such as Push, Email, SMS, or WhatsApp.
  • Personalised Triggers and Condition feature to be enabled for your account.

Create a Push Campaign

In this section, let us create a Push Notification campaign that reminds users about their pending payment for their credit card.

Step 1: Target Users

  1. Navigate to the sidebar on the left and click Engage > Campaigns and click + Create campaign or click + Create new > Campaign.
  2. Under Outbound, select Push > Event Triggered.
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    You are taken to the first step "Target users" of defining your campaign.
  3. Enter the following details:
    • Team: Select a team if your organization has teams enabled for your account. For more information, refer to Teams in MoEngage. For example, "Journey".
    • Campaign name: Enter a name for the campaign. For example, "Remind users about card payment".
    • Campaign tags: Select the required campaign tags.
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  4. In the Trigger Criteria section, define the trigger condition.
    A user can have more than one credit card and you must remind specifically for the card where the user has not yet paid after the bill was generated. Therefore, the check must be dynamic, not a static check. That is, for a user who has a bill generated for card 1 and 2 respectively, you must look for the purchase event with the attribute pointing to each card and send a reminder for the card that does not have the purchase event. To achieve this dynamic nature, you must use a personalised trigger condition while defining the trigger condition.
  5. In the IF user section, select "Bill generated" and then click + Filter to add the additional check.
    1. In the And then section, select "Has not executed" from the first drop-down list and "Bill Paid" from the Select an event drop-down list.
    2. Click + Attribute and select "Card ID" because it is a unique attribute that can help you identify the card.
    3. Select the "is" operator because you want an exact match.
    4. Change "Constant Value" to "Event Attribute" because this value will change with user and the card and so referring to the "Bill Generated" event will make the check personalised for each possible situation of a user.
    5. Select the "Card ID" attribute of the "Bill Generated" event, which can help you compare the card for which the Bill Paid event is coming, from the list of attributes.
  6. In the THEN trigger the message section, define the With Delay option to send a reminder to the user 5 days before the due date. This is the maximum time the user will be evaluated to fulfill the conditions from the time the first condition is fulfilled.
    The Select Condition section looks as follows now:
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    For the filter above to work properly, the selected attribute must be in the supported format. For more information, refer to Send Triggers Based on the Trigger Event Property.
  7. In the Target Audience section, select All users.
  8. In the Target Platforms section, select the platforms that you would like to target the users in. For example, Android.
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  9. Click Next to move to the second step "Content" where you can define the content that will go into your Push campaign.

Step 2: Content

  1. Select the template that you like to go with. For our example, select Basic notification.
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  2. Enter the required content for the campaign. We can enter the content manually or generate it using Merlin AI. For more information, refer to Generate Push Messages with Merlin AI.
  3. Add personalisation to the message using information such as the name of the user, bill amount, or credit card name. Such personalization makes the message more contextual especially for users who have more than one card. To do the same, enter “@". The Push Personalization pop-up is displayed from where you can find your event attributes such as bill amount, credit card name, or the user properties such as name.
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    You can select the attributes based on your requirements. Selecting name and other personalisation makes the message content look something as follows:
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    Whenever MoEngage tries to send a message, it makes sure to check the name of the user, credit card name, and amount from the Bill Generated event and replace those instead of {{UserAttribute['Name']}}, {{EventAttribute['Credit card name']}}, {{EventAttribute['amount']}} respectively.
  4. Use the deeplink option to take the users to the bill payment page in your app.
    1. From the Default click action drop-down list, select "Navigate to a screen".
    2. From the Take user to a specific screen drop-down list, select the respective screen.
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  5. Click Next to move to the third step "Schedule and goals" where you can define the schedule and goal of your campaign.

Step 3: Schedule and Goals

  1. Define when to start and end this campaign and the conversion goal based on your requirements.
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  2. Change the deliverability settings based on your requirements. For more information, refer to Create Push Campaigns.
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  3. Click Publish.

Conclusion

In this use case, we created a Push campaign to send a reminder to users about pending payment for their credit card 5 days before the due date.

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