Understanding Declined Card Payments
Understanding Declined Card Payments
A declined charge does not always mean there is a problem with your account. Banks use automated systems to evaluate every transaction, and those systems can reject a charge even when your card details are correct.
Common reasons a card is declined
- Insufficient funds - The card does not have enough available balance to cover the charge.
- Expired card - The card's expiration date has passed.
- Bank block or fraud hold - Your bank's fraud detection flagged the transaction. This can happen with international processors or when a charge pattern looks unusual, even if it is legitimate.
- Incorrect card details - A mistyped card number, expiration date, CVC, or billing address will cause the charge to fail.
How to resolve a declined payment
- Update your card details if the card has expired or if you want to try a different card. See How to Update Card Details.
- Contact your bank to ask whether a block is in place and request that they allow the charge.
- Once the issue is resolved, retry the payment from your billing settings.
If you continue to have trouble, contact PostNext support using the support widget on postnext.io.