Our Store support credit card/ debit card and digital wallets payout methods, like the American Express/ Apply Pay/ Diners Club/ Discover/ JCB/ Mastercard/ Visacard/ Paypal/ Vinmo , you can choose the one you are familiar to finish the order.
Here we use the Stripe Gateway to finish the credit and debit card checkout.
We sometimes receive mails from clients/customers complaining they can't finish/complete their transaction because of some checkout issues , here we collect the reasons and solutions to why the payout is declined and how to resolve it.
There are two possible reasons why a credit card payment might fail:
Payments declined by card issuers and Blocked Payments
When a charge is submitted to the issuer of your card, the card issuer have automated systems and models that determine whether or not to authorize it. These systems analyze various signals, such as your spending habits, account balance, and card information such as the expiration date, address information and CVC.
If these information has any wrong, the payment maybe declined.
Stripe’s automated fraud prevention toolset, Radar, blocks any payments that identify as being high-risk.
For example, if the Radar find the CVC doesn’t match your information on file with your card issuer, then the payments will be blocked.
Sometimes you may receive the failure information through the codes, sometime maybe descriptions, here we collect all the possible declined reasons and solutions, hope to be helpful for you.
|
Decline Codes |
Description You Received |
How to Do Next? |
| Your card has insufficient funds | You need to change anonther card for payment. | |
| do_not_honor | The card has been declined for an unknown reason. | You need to contact the card issuer for more information. |
| card_not_supported | The card does not support this type of purchase. | You need to contact the card issuer to make sure the card can be used to make this type of purchase. |
|
Authenticaction_required |
The card was declined as the transaction requires authentication. |
You should try again and authenticate the card when prompted during the transaction. |
|
approve_with_id |
The payment cannot be authorized. |
The payment should be attempted again. If it still cannot be processed, you need to contact the card issuer. |
|
call_issuer |
The card has been declined for an unknown reason. |
You needs to contact the card issuer for more information. |
|
card_velocity_exceeded |
The customer has exceeded the balance or credit limit available on their card. |
You should contact the card issuer for more information. |
|
currency_not_supported |
The card does not support the specified currency. |
You need to check with the issuer whether the card can be used for the type of currency specified. |
|
do_not_try_again |
The card has been declined for an unknown reason. |
You should contact the card issuer for more information. |
|
duplicate_transaction |
A transaction with identical amount and credit card information was submitted very recently. |
Check to see if a recent payment already exists. |
|
expired_card |
The card has expired. |
The customer should use another card. |
|
fraudulent |
The payment has been declined as Stripe suspects it is high risk. |
You should contact the card issuer for more information. |
|
generic_decline |
The card has been declined for an unknown reason. |
You need to contact the card issuer for more information. |
|
incorrect_number |
The card number is incorrect. |
You should try again using the correct card number. |
|
incorrect_cvc/invalid_cvc |
The CVC number is incorrect. |
You should try again using the correct CVC. |
|
incorrect_pin/invalid_pin |
The PIN entered is incorrect. This decline code only applies to payments made with a card reader. |
You should try again using the correct PIN. |
|
incorrect_zip |
The ZIP/postal code is incorrect. |
You should try again using the correct billing ZIP/postal code. |
|
insufficient_funds |
The card has insufficient funds to complete the purchase. |
You should use an alternative payment method. |
|
invalid_account |
The card, or account the card is connected to, is invalid. |
You need to contact the card issuer to check that the card is working correctly. |
|
invalid_expiry_year |
The expiration year invalid. |
You should try again using the correct expiration date. |
|
invalid_number |
The card number is incorrect. |
You should try again using the correct card number. |
|
issuer_not_available |
The card issuer could not be reached, so the payment could not be authorized. |
The payment should be attempted again. If it still cannot be processed, you need to contact the card issuer. |
|
new_account_information_available |
The card, or account the card is connected to, is invalid. |
You need to contact the card issuer for more information. |
|
no_action_taken |
The card has been declined for an unknown reason. |
You should contact the card issuer for more information. |
|
not_permitted |
The payment is not permitted. |
You need to contact the card issuer for more information. |
|
pickup_card/restricted_card/stolen_card |
The card cannot be used to make this payment (it is possible it has been reported lost or stolen). |
The customer needs to contact their card issuer for more information. |
|
pin_try_exceeded |
The allowable number of PIN tries has been exceeded |
You must use another card or method of payment. |
|
processing_error |
An error occurred while processing the card |
The payment should be attempted again. If it still cannot be processed, try again later. |
|
reenter_transaction |
The payment could not be processed by the issuer for an unknown reason. |
The payment should be attempted again. If it still cannot be processed, you need to contact their card issuer. |
|
revocation_of_authorization |
The card has been declined for an unknown reason. |
You should contact the card issuer for more information. |
|
security_violation |
The card has been declined for an unknown reason. |
You need to contact the card issuer for more information. |
|
service_not_allowed |
The card has been declined for an unknown reason. |
You should contact the card issuer for more information. |
|
stop_payment_order |
The card has been declined for an unknown reason. |
You should contact the card issuer for more information. |
|
transaction_not_allowed |
The card has been declined for an unknown reason. |
You need to contact the card issuer for more information. |
|
try_again_later |
The card has been declined for an unknown reason. |
Attempt the payment again. If subsequent payments are declined, you should contact the card issuer for more information. |
|
withdrawal_count_limit_exceeded |
You have exceeded the balance or credit limit available on their card. |
You should use an alternative payment method. |
Above are nearly all the reasons that may cause the failed payment.
Please contact us for free for any issues, not only payment but also any, we are always here to serve you.
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