Here's how each payment processors handle failed recurring payments:
Retry is done by Zaxaa. Zaxaa will retry it every 24 hours until 5 days before it is canceled.
Retry is done by PayPal. PayPal will retry it twice on the 3rd and 8th days before it is canceled (https://developer.paypal.com/webapps/developer/docs/classic/paypal-payments-standard/integration-guide/subscribe_buttons/#id08ADFC002A6).
Retry is done by 2Checkout. 2CO will retry it 5 times on 7 days interval before it is canceled.
Retry is done by Stripe. The retry is based on your account settings (https://stripe.com/docs/subscriptions/guide#payment-failures).
Retry is done by Zaxaa. Zaxaa will retry it twice on the 3rd and 8th days before it is canceled.
What can a customer do to fix and be able to continue the payment?
Customer needs to go to their PayPal account and make sure that either they have sufficient funds or valid funding source (e.g. credit card).
Customer needs to update their billing info here https://www.2checkout.com/va/sales/customer/change_billing_method.
Stripe and Authorize.Net
Customer needs to update their card info from their Zaxaa dashboard by going to "My Purchases" page (https://www.zaxaa.com/purchases) > find the "VISA" icon to update the card. Here is the documentation about How to update your customer credit cards & subscriptions directly within Zaxaa.