Why did my payment fail?

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 card issuing bank does not provide additional details regarding the reason for the decline.

This generally occurs for one of two reasons:

  1. Your credit card issuing bank did not approve the transaction. This could be for insufficient funds, frozen account status, invalid credit card number or expiration date, blocked online payment, etc. You will need to contact the card issuing bank for more information.

  2. The transaction may have been declined by your processor based on transaction limits established by your Merchant Service Provider (MSP). Your MSP sets both per-transaction and monthly transaction amount limits for your transaction processing. If you have questions regarding your transaction limits, please contact your MSP. A phone number to your MSP should be on your most recent funding statement.