Why is my customer’s credit card declined?
Here are the most common reasons why a credit card could be declined and the actions to take to resolve the issue.
|Invalid PIN||An incorrect PIN was entered.||Ask the customer to check and re-enter their PIN.|
|Insufficient funds||There aren’t enough funds in the cardholder’s bank account to process the payment.||Ask the customer to contact their bank.|
|Amount limit exceeded||The credit limit has been reached.||Ask the customer to contact their credit card company.|
|Expired card||The credit card is expired.||Ask the customer to use a different card.|
|Invalid credit card number||The card number is invalid.||Ask the customer to check and re-enter the number if entering a number manually, or use a different card.|
|Transaction not allowed||The payment authorization has been declined by the card issuer.||Ask the customer to use a different card, and contact the card issuer.|
|Processor declined||The payment authorization has been declined at the issuing bank because the card has been compromised in some way.||Ask the customer to use a different card.|
|Type of card not accepted||The supplied payment method isn’t accepted by the retailer.||Ask the customer to use a different card.|
|International card restriction (Geographic location)||Overseas transactions aren’t allowed.||Ask the customer to use a different card.|