Your card may be declined for a number of reasons. When
our payment processor submits a charge to your bank, your bank will typically have automated
systems that determine whether or not to accept the charge. These systems take various
into account, such as the cardholder's spending habits, account balance, and card
like the expiration date and CVV/CVC security number.
Some declines are self-explanatory,
such as incorrect information being submitted or insufficient funds. The most frequent reply
get from banks (and the most frustrating for consumers) relates to possible fraud. Since
detection signals are constantly changing, a previously successful card might be declined in
future. Even if all of the card information is correct, and the cardholder previously had a
successful payment, a future charge may still be declined by a bank’s overzealous fraud
If all of your card information seems correct, it is best to contact you bank
directly and ask for more information. For privacy and security, banks and card issuers can
discuss the specifics of a declined payment with their cardholders – they cannot discuss
with the merchant.
If your card is declined, the easiest way to proceed with a purchase is to
try another credit card.