Failed contribution does not re-run if reject code is REJ:25 Capture card. Reported lost or stolen
That's intentional. If the Card is lost or stolen REJ: 25 - you don't want to be transacting it as it can result in charge backs (and even fines). So the idea is we push the next_scheduled_date one month into the future and give you a chance to connect with the donor to update their card details. A REJ:15 is often a temporary problem so that one we would try again tomorrow [as you indicated in your iATS Payments Settings].