Declines can happen for a variety of reasons.

When a charge is being processed, there are automated systems that determine whether or not to accept the charge. These systems take various signals into account, such as account balances and card information such as the expiration date, billing address, zip code, and CVC/CVV (the 3- or 4-digit verification number on the back of your card).

Because these signals are constantly changing, a previously successful card might be declined in the future. Even if all of the card information is correct and you had a successful payment before, a future charge can still be declined by a bank’s overzealous fraud system.

Why don't you show much information about a decline?

We show as much information from the bank as we can about a decline, but most reasons we receive are generic because banks want to protect their customers' privacy.

How do I decrease the likelihood of a decline?

The best way to prevent a decline is to ensure your card information (card number, expiration date, billing address, zip code, and CVC/CVV) is correct because these are the primary factors a bank uses when deciding whether or not to accept a transaction.

What can I do about a decline?

If all of the card information seems correct, it's best to contact your bank or credit-card company directly. You should be able to tell them what's happening and ask for future charges to be accepted. 

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