Why was my payment declined?
Payments can fail for a variety of reasons, including some that help prevent fraudulent transactions.
There are three reasons why a payment might fail:
Issuer declines
Acquirer declines
Blocked payments
When your customer’s card issuer receives a charge, their automated systems decide whether to authorize it.
If the card issuer declines a payment, Fygaro shares with you all of the decline information we receive. This information is available in your account under each Payment. When issuers provide specific explanations, such as an incorrect card number or low funds, these messages will be displayed under each payment attempt.
When your bank processes a charge request, their automated system reviews wether to send it for authorization with the issuer or not.
If the acquirer declines a payment, Fygaro shares with you all of the decline information we receive.
When Fygaro´s security systems flag a suspicious behaviour based on banking rules, payment for that customer card will be temporary blocked. The customer can try again at a later time or use a different payment method.
There are three reasons why a payment might fail:
Issuer declines
Acquirer declines
Blocked payments
Issuer declines
When your customer’s card issuer receives a charge, their automated systems decide whether to authorize it.
If the card issuer declines a payment, Fygaro shares with you all of the decline information we receive. This information is available in your account under each Payment. When issuers provide specific explanations, such as an incorrect card number or low funds, these messages will be displayed under each payment attempt.
Acquirer declines
When your bank processes a charge request, their automated system reviews wether to send it for authorization with the issuer or not.
If the acquirer declines a payment, Fygaro shares with you all of the decline information we receive.
Blocked Payments
When Fygaro´s security systems flag a suspicious behaviour based on banking rules, payment for that customer card will be temporary blocked. The customer can try again at a later time or use a different payment method.
Frequent Decline Messages
| Message | Description |
|---|---|
| Do not honor | The card was declined for an unknown reason. The customer needs to contact their card issuer to the number on the back of their card for more information or try again later. |
| Invalid transaction | Given when the issuing bank does not accept a transaction. The customer needs to contact their card issuer to the number on the back of their card for more information. |
| Consumer Authentication Failed | Given when the cardholder has made a mistake entering their details and that 3D authentication failed. It can be a wrong password, passcode or details like the card number, expiry date, CVC. After checking all details were entered correctly, the customer needs to contact their card issuer to the number on the back of their card for more information or try again later. |
| Incorrect CVC | The 3 or 4 digit security code entered is incorrect. The customer needs to check all details were entered correctly and try again. |
| Insufficient Funds | The card does not have enough funds to cover the transaction, customer must contact their card issuer to resolve. |
Updated on: 10/22/2024
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