Declined is a response we get from the bank which usually indicates a problem somewhere between the cardholder and their bank. It's a generic term, and unfortunately in most cases we we don't receive anything specific regarding the reason. We have compiled a list below to help give you more information.
Generally, declined means that you can attempt to retry at a later date.
- Suspected Fraud
- Insufficient Funds
- Stolen Card
- Expired Card
- Invalid CVN
- Any other rule imposed by the card issuer that causes a decline (e.g. daily limit exceeded, minimum monthly payment not made, duplicate transaction suspected, etc).
If you have spoken to your customer and they have advised that they have contacted their bank and have confirmed there are no issues, reach out to us for more specific details of the transaction, as, in some cases, our transaction monitoring system has been blocking their payment to keep your account safe from bad actors.