Why Was My Payment Declined?

We highly recommend contacting your bank for assistance as we can't see why the bank declined your payment.

Here are some of the most common reasons why payments get declined.

Not Enough Funds

This is the most common reason for a payment decline. Make sure you have enough funds in your account balance to cover the payment plus bank charges. Some banks have transaction charges on top of your purchase amount. 

Security/ Anti-Fraud Measures

Nowadays, banks use advanced systems to monitor unusual activities in your account. If a purchase doesn't fit your usual spending pattern, it might get flagged and declined. Notifying your bank before a significant purchase can help prevent this.

Error in Payment Details

Double-check the payment details when filling out checkout forms. A single incorrect digit can lead to a declined transaction.

Expired or Blocked Card

If your card is expired or has been reported as lost or stolen, all transaction attempts on the card will be declined. 

Reaching Charge Limits

Banks usually have limits on daily or monthly purchases for security reasons. If you have exceeded these limits, your succeeding transactions will be declined. Contact your bank to adjust these limits as necessary.

Technical Issues

Sometimes, technical issues with the bank’s systems or the payment processing systems can cause transaction failures. Internet and local network issues can also cause online payments to fail.

Trying the transaction again after some time can sometimes resolve this issue. 

International Transactions

There are card providers that restrict international transactions. If you're trying to make a payment to a foreign company or in a foreign currency, check with your bank whether such transactions are allowed on your account.

Card Type

Some banks issue cards that are limited to certain types of transactions only. Some cards may not be recognized in online purchases.