Macro funnel tracking unique customer journeys from initiation at checkout through bank rejection, live activation, first debit execution, and customer cancellations.
85,796 successes / 242,756 total bank debit attempts
Debit Retry Multiplier
1.93x
242.7K attempts fired across 125.5K attempted cycles
Unattempted PDNs (No Debit Fired)
12,272
8.91% of total notifications were never debited
Sequence Progression & Multi-Cycle Decay (Seq 1 to Seq 20)
Sequential Cycle SR
Sequence #
Lifecycle Stage
Unique PDNs (Cycles)
Successful Cycles
Failed Cycles
Cycle SR %
Total Debit Attempts
Retry Density
Diminishing Returns of Retries
Steep Decay Curve
Attempt Stage
Attempts Fired
Successes
Attempt SR %
% of All Success
Attempt 1 (Primary Run)
125,533
75,841
60.41%
88.40%
Attempt 2 (Retry 1)
62,028
8,338
13.44%
9.72%
Attempt 3 (Retry 2)
55,195
1,617
2.93%
1.88%
Total (Seq ≥ 2)
242,756
85,796
35.34%
100.00%
24-Hour Batch Scheduling Profile (IST)
11.4M Midnight Blast
Interactive Multi-Dimensional Error Explorer
Explore every granular NPCI error code individually without clubbing. All tables are strictly pre-sorted in descending order with % contribution formatted to 2 decimals. Click any row or use the Deep Drilldown Pop-up to cross-filter by Bank, PSP, and Timeline.
Empirically validated patterns extracted from FanCode's September 2026 data. Quantifying the 11 PM / Midnight execution sweet spot, post-tournament mandate churn cliff, Google Pay conversion supremacy, and FamPay youth balance drop-off.
1. The 11 PM & Midnight Sweet Spot vs The Dead Night Batch Drain
79.55% Midnight SR vs 1.52% Night Retry Waste
The Finding: Primary renewal runs dispatched at 11:00 PM IST (23:00) convert at 64.54% SR (70,124 successes / 108,654 attempts) and Midnight (00:00 IST) reaches an outstanding 79.55% SR (13,426 successes / 16,878 attempts). The Contrast: Automated retry batches scheduled at 02:00 AM, 05:00 AM, and 08:00 AM IST blasted 106,181 debit attempts yielding only 1,617 successes (1.52% SR). Commercial Impact: Over 104,500 debit API calls are wasted overnight because customer bank balances do not replenish between 2 AM and 8 AM. Action: Immediately kill all automated retries between 01:00 AM and 09:00 AM. Shift retries to 11:30 AM, 02:30 PM, and 07:00 PM IST on T+1 and T+2, aligning with daytime salary credits and UPI wallet recharges.
Midnight (00:00) SR
79.55%
11:00 PM (23:00) SR
64.54%
Night Retries (2-8 AM) SR
1.52%
Wasted API Calls
104,564 / mo
Primary Success Share
97.4%
2. Match Pass Acquisition vs Post-Tournament Mandate Attrition Cliff
51.01% Churn • 181,959 Revocations
The Finding: FanCode's onboarding is heavily driven by event/match passes: ₹69 (159.5K attempts @ 92.25% SR), ₹129 (110.5K attempts @ 93.42% SR), and ₹99 (85.9K attempts @ 93.06% SR). Onboarding conversion is exceptionally high (93.01% overall Seq 1 SR). The Churn Cliff: However, renewals consolidate onto the ₹199 monthly subscription (94.4% of renewal attempts, 120,496 cycles @ 68.35% Cycle SR). Once the specific sports series or tournament finishes, users immediately revoke their AutoPay approval: 181,959 mandates (51.01% of live mandates) were revoked in September alone. Commercial Action: Offer users a "Pause until Next Series" option or dynamic tournament-specific recurring passes rather than full ₹199 monthly renewals. This would preserve the active recurring subscriber base without triggering outright revocations.
Seq 1 Onboarding SR
93.01%
Mandates Revoked
181,959
Post-Event Churn Rate
51.01% of Live
₹199 Renewal Share
94.4% of Seq ≥ 2
₹199 Cycle SR
68.35%
3. Google Pay Conversion Supremacy vs PhonePe Volume Heavyweight
73.98% GPay SR • +7.34% Over PhonePe
The Finding:Google Pay delivers the highest recurring execution reliability across all major consumer UPI apps at 73.98% Cycle SR (42.58% Attempt SR, 1.74x retry multiplier) across 39,351 cycles. PhonePe carries the majority share of renewals (62,703 cycles, 125,590 attempts), converting at 66.64% Cycle SR (33.27% Attempt SR, 2.00x retry multiplier). Impact: Google Pay outperforms PhonePe by +7.34 percentage points in cycle realization. Encouraging sports viewers to bind Google Pay during checkout can directly raise overall recurring collections.
The Finding: Youth-focused neobank handle @fam (FamPay) exhibits by far the lowest execution performance on FanCode: only 28.84% Cycle SR and 9.53% Attempt SR, requiring 3.02 retries per cycle. Why It Happens: Teen sports fans create AutoPay on FamPay for initial match streaming, but do not maintain ongoing balances for subsequent monthly renewals. Action: When a user enters a @fam VPA at checkout, default to a seasonal one-time pass or prepaid bundle rather than recurring monthly AutoPay, avoiding the 71.16% renewal drop-off.
FamPay Cycles
1,842
Cycle SR
28.84%
Attempt SR
9.53%
Failed Cycles Share
71.16%
Retry Multiplier
3.02x
5. Remitter Banking Divergence: ICICI & HDFC Lead at 75% SR
ICICI 75.22% • HDFC 74.42%
The Finding: Private sector remitter banks demonstrate superior clearing stability. ICICI Bank leads at 75.22% Cycle SR (42.74% Attempt SR) and HDFC Bank follows at 74.42% Cycle SR (41.58% Attempt SR). Volume Leader:Yes Bank handles the largest volume (56,221 cycles, 112,961 attempts) converting at 66.41% Cycle SR (33.05% Attempt SR). State Bank of India (SBI) converts at 67.40% Cycle SR. Strategic Insight: Encouraging ICICI and HDFC mandate authorization yields an immediate +8% lift in renewal success.
ICICI Cycle SR
75.22%
HDFC Cycle SR
74.42%
SBI Cycle SR
67.40%
Yes Bank Cycles
56,221
Yes Bank Cycle SR
66.41%
6. Error Z9 Balance Deficit vs Terminal YE Account Freezes
₹2.76 Cr Z9 Deficit • 1,463 YE Freezes
The Finding: Error Z9 (Insufficient Funds) constitutes 93.38% of all failed renewal cycles (37,107 cycles, 140,897 attempts), locking ₹2.76 Crore in lost GMV. Terminal YE Freezes: In contrast, Error YE (Account Frozen/Dormant) accounts for 1,463 cycles (₹10.7 Lakhs GMV). While retry attempts for Z9 have a 13.4% recovery chance on Retry 1, retrying YE is 100% futile. Commercial Action: Implement an immediate kill-switch on Error YE to stop futile retries, and deliver pre-debit WhatsApp alerts 24 hours prior for Z9-prone segments to prompt account funding.