Common Reasons for Credit Card Payment Declines

Please be aware that all payment processing for our services is handled securely through a third-party payment gateway. Consequently, when a payment fails, the specific details provided to us are limited. Typically, we receive a standardized message indicating "Credit card declined by issuer. Contact your bank to determine the reason."

However, based on our experience with payment issues, the majority of credit card declines are often related to location-based anti-fraud filters implemented by the issuing bank.

We've compiled a list of the most frequent scenarios that likely account for approximately 99% of these situations:

1. Billing Address Mismatch:

Problem: The billing address you entered in our system does not exactly match the billing address associated with your credit card account at your credit card company. Even minor discrepancies, such as variations in street abbreviations or postal code formatting, can trigger a decline.
Solution: Carefully review and update your billing address within our system to ensure it precisely matches the address on file with your credit card issuer.

2. International Usage Restrictions (for Non-USA Residents):

Problem: You are attempting to use a credit card for a transaction outside of the country where the card was originally issued. Many credit card companies employ security measures that automatically flag or block international purchases to prevent unauthorized use.
Solution: Contact your credit card company (the bank that issued your credit card) and inform them that you intend to make online purchases from our service, which may be located outside of your country. Request them to temporarily or permanently allow international transactions on your card.

3. Insufficient Credit Limit or Low Balance:

Problem: Your available credit limit on the card is insufficient to cover the transaction amount, or your current balance has reached or exceeded your credit limit.
Solution: Make a payment to your credit card company to increase your available credit and clear any outstanding balance that may be preventing the transaction from being approved. After your payment is processed and reflected in your available balance, you should be able to attempt the purchase again.

By addressing these three common issues, you will likely resolve the majority of credit card payment declines. If you continue to experience difficulties after verifying these points, the best course of action is to contact your credit card company directly for more specific information regarding the reason for the decline.