Failed Payments - Retry Option?

I offer a 6 week coaching program + a 4 week business program, with weekly and monthly payment options for my clients. I keep running into the issue of clients not having sufficient funds in their account when it comes to their next repayment for my services, and I'd like to know if there's an update in the works of them simply clicking a "retry payment" button (as there is for our own squarespace website membership payments) when they have transferred money over, instead of waiting an additional 5 days or me cancelling their plan and putting them on a new one so they remain on the same payment dates.

Would even love this to be a Circle update? I've had clients click "update card details" but it's the same card so doesn't do anything.

It's not a safe business structure to have them just be cancelled out of the payment plan/membership site after 3 attempts as they're paying me for a service (website creation and coaching) and I essentially just have to trust that they'll stay true on their end for the payments even after my services are complete. Does anyone have a solution or work around for this? I have payment requirements and information regarding this in T&C's, but just wanna ensure the cashola keeps rolling in (somewhat) on time. A retry payment button really would be so useful for us entrepreneurs. Thank you! 💸👩🏻‍💻