Introduction
Occasionally, card transactions may be declined for various reasons. This guide provides insight into why your card transaction might not go through and how you can resolve these issues.
Merchant Restrictions
First, it's important to note that not all merchants accept debit cards. Before making a purchase, please confirm that the merchant accepts your type of card for their services. This can prevent any immediate declines due to merchant-specific payment policies.
Contacting Customer Support
Each card transaction may be declined for different reasons. If your transaction is declined, we recommend contacting our Customer Support directly. Our team can investigate the issue individually and provide specific guidance and solutions tailored to your situation.
Common Types of Declines: Soft Declines
A 'Soft Decline' occurs when a transaction requires further authentication of the cardholder, possibly due to an unusual purchase pattern or issues within the payment processing infrastructure. Soft declines are temporary and represent approximately 80% to 90% of all transaction declines.
Why Soft Declines Happen:
Unusual Purchasing Patterns: If a transaction appears out of the ordinary, further verification is required to ensure it is authorized by the cardholder.
Technical Issues: Sometimes, problems in the payment processing system can lead to a soft decline.
Resolution for Soft Declines:
If a soft decline occurs, the merchant may not support the necessary mechanisms to resolve it on the spot. Our support team will investigate the issue and may advise you to attempt the transaction with a different card. In some cases, simply retrying the transaction after authentication can also resolve the issue.
Summary
Understanding the reasons behind declined transactions can help streamline your future payment experiences. Always ensure that the merchant accepts your card type, and do not hesitate to reach out to our Customer Support for any assistance with declined transactions.