Failed Payment: Common Reasons and Solutions

If a payment has failed, it can be due to a variety of reasons.

Below are some common causes of payment failures, along with guidance on how to resolve them.

Category	Failure Reason	Solution
Authentication Issues	Payment failed due to the card requiring authentication	The payment was declined because the transaction needed additional authentication. Contact your card issuer to authenticate your card and then try the transaction again.
Authorization Problems	Payment failed due to failed authorization	The payment could not be authorized. Retry the transaction. If the issue persists, contact your card issuer for assistance.
	Payment failed due to failed authorization with the issuer	The card issuer could not be reached, preventing authorization. Retry the transaction or contact your issuer if the issue continues.
	Payment failed due to all authorizations being revoked by the issuer	The card authorization has been revoked by the issuer. Reach out to your card issuer for more information.
Card Type and Usage Issues	Payment failed due to the card not supporting this type of purchase	The card doesn’t support the type of purchase you're trying to make. Contact your issuer to ensure your card is authorized for such transactions.
	Payment failed due to unsupported currency	The card does not support the currency specified for this transaction. Contact your issuer to verify whether your card can handle the currency of the transaction.
	Payment failed due to a service_not_allowed reason code by the issuer	The issuer has declined the transaction as it’s not permitted. Contact your card issuer to discuss the issue.
	Payment failed due to transaction_not_allowed reason code from the issuer	The issuer declined the transaction because it is not allowed. Contact your issuer for clarification.
Insufficient Funds and Financial Limits	Payment failed due to exceeding the available limit	The payment was declined because the card exceeded the credit limit or available balance. Contact your issuer to inquire about your available balance or credit limit.
	Payment failed due to insufficient funds	There are not enough funds to complete the transaction. Add funds to your account or use an alternative payment method.
	Payment failed due to an invalid amount or exceeding the allowed limit	The payment amount is either invalid or exceeds the transaction limit. Double-check the payment amount or confirm with your issuer that the amount can be processed.
Card Information Errors	Payment failed due to an incorrect card number	The card number entered is incorrect. Verify and correct the card number before retrying.
	Payment failed due to incorrect CVC/CVV	The Card Verification Code (CVC/CVV) entered is incorrect. Ensure you input the correct CVC/CVV number.
	Payment failed due to incorrect zip or postal code	The billing zip/postal code entered is incorrect. Double-check your details and try again.
	Payment failed due to an invalid expiration month or year	The expiration date provided is invalid. Ensure both the expiration month and year are correct.
	Payment failed due to an invalid PIN	The PIN entered for authentication is incorrect. Retry the transaction with the correct PIN.
Card and Account Issues	Payment failed due to an expired card	The card used has expired. Update your payment details or use another valid card.
	Payment failed due to an invalid card or account	The card or account linked to the card is invalid. Contact your card issuer to confirm the status of your card.
	Payment failed due to the card being reported as lost or stolen	The card may have been reported as lost or stolen. Contact your card issuer immediately for assistance.
	Payment failed due to a problem with the card issuer	The payment was declined due to an issue with the card issuer. Reach out to your issuer for more details.
Fraud Detection and Security	Payment failed due to suspected fraud	The transaction was flagged as potentially fraudulent. Contact your issuer to confirm the legitimacy of the payment.
	Payment failed due to a security violation from the issuer	The payment was declined due to a security issue. Contact your card issuer for more information.
Duplicate Transactions	Payment failed due to a recent duplicate transaction	A transaction with identical details (amount, card information) may have been processed recently. Check your payment history to verify if the payment already exists.
Miscellaneous Reasons	Payment failed due to a do_not_honor reason code from the issuer	The transaction was declined with a "do_not_honor" code. This means the issuer has not authorized the payment. Contact your card issuer for more information.
	Payment failed due to a do_not_try_again reason code from the issuer	The issuer has advised not to retry the transaction. Contact your issuer to understand why the payment was declined.
	Payment failed due to a stop_payment_order reason code by the issuer	The issuer has placed a stop payment order, preventing the transaction. Reach out to your issuer for further assistance.
	Payment failed due to a try_again_later reason code	The issuer has declined the transaction with a "try_again_later" code. Retry the payment later or contact your issuer for clarification.

If you have reviewed all potential causes and the issue persists, we recommend contacting your card issuer for further assistance. If the payment is still unsuccessful, consider using an alternative payment method.

If you need additional help, feel free to contact our support team for further assistance.

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