The least complex retry design is usually the one you already have: keep failed messages in a dead-letter queue (DLQ), inspect the ones that are safe to retry, then redrive them to the main queue. For a fintech webhook worker, that gives you a controlled recovery operation without pretending that every failure is transient.

The important part is the policy around the redrive. Cap the retry count. Record each attempt. Make the worker idempotent. A queue can deliver a message again, and a network timeout can leave you unsure whether the downstream system accepted the first delivery.

A choice matrix for failed-job recovery

Option Best fit Recovery shape Main boundary

RabbitMQ DLX You already run RabbitMQ Move dead-lettered messages back through a queue/exchange path You own broker topology and operations

Amazon SQS DLQ redrive Your workloads already live on SQS Use the service's managed DLQ movement workflow The design follows SQS semantics and AWS integration

BullMQ Redis is already your queue backend…