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Non-default payment method retries

We have customer accounts with multiple users managing multiple credit cards. When one of their non-default methods fails (for example, the credit card expires), Zuora automatically attempts charging the default payment method. This should be configurable so that users can be held accountable to the viablity of specific payment methods.

 

In a simpler scenario, if I store two credit cards, why should one be charged automatically just because the other fails?