Why Was My Credit Or Debit Card Declined?

We cannot see why a card payment fails from our end, but the bank that issued the card can. The bank can also tell you how to fix it.

The following are some of the most common reasons why a card may be declined.


Lack of funds.

It’s often the reason for declined payment, but it may come as a surprise if you haven’t been closely monitoring your account balance. Card payment will also be declined if a customer’s credit limit is reached.

Expired card.

Expired cards are another common cause of declined card payments. If your card expires before future payments are made, the payment will be declined. Check that all expired cards have been replaced.

Fraud prevention and card transaction limits.

A legitimate payment may be incorrectly flagged by your bank. For example, if you make a purchase that is outside of your typical spending habits, it may trigger a fraud alert. Payments may also be declined if you have set transaction limits on your card.

Others

A decline occurs if a hold is placed at any point during the payment process. The government or the central bank, for example, may impose restrictions on foreign transactions.

Note
You can add multiple cards to your account and set one as the default. If your default card fails, payment will be taken from another card on your account.

If your subscription is cancelled, the unpaid invoice on your account becomes void, and any attempt to settle that unpaid invoice will fail. To reactivate a suspended account due to unpaid invoices, you have to resubscribe.

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