Troubleshooting payment failures

The most common error message we get from our payment processor is: “Declined (Card declined by issuer – contact card issuer to determine reason).”

Unfortunately, the issuing bank does not provide additional details regarding the reason for the decline. However, there are a few possible explanations:

• Insufficient funds: Your credit card balance may be too low to cover the purchase amount.
• Frozen account status: Your credit card account may have been frozen due to suspicious activity or a missed payment.
• Invalid credit card number or expiration date: You may have entered an incorrect credit card number or expiration date.
• Blocked online payment: Your credit card issuer may have blocked online payments for your account.
• Transaction limits: Your Merchant Service Provider (MSP) may have set transaction limits for your account. If you exceed these limits, your transaction may be declined.

To resolve the issue, please contact your credit card issuer or MSP. You can find your MSP’s contact information on your most recent funding statement.

Here are some tips to help avoid credit card declines:

• Make sure you have enough funds in your account to cover the purchase amount.
• Check your credit card statement regularly for suspicious activity.
• Update your credit card number and expiration date as soon as possible.
• Contact your credit card issuer to enable online payments if they are blocked.
• Be aware of your transaction limits and do not exceed them.