Why Was My Card Declined?

The problem may be related to the continuously evolving security measures implemented by card companies to protect cardholders from fraud or credit card abuse. We cannot see why a card payment fails from our end, but the bank that issued the card can. The bank can also help you to fix it.

The following are some of the most common reasons a card may be declined.

Lack of funds.

It’s often the reason for declined payment, but it may come as a surprise if you haven’t been monitoring your account balance. Card payment will fail if a customer’s credit limit is reached.

Expired card.

Expired cards are another common cause of declined card payments. If your card expires before a billing cycle, payment will fail. Check that all expired cards have been replaced.

Fraud prevention and card transaction limits.

Your bank has the right to identify and mark a payment as potentially suspicious. For instance, if you make a purchase that deviates from your usual spending patterns, it could activate a fraud warning. Additionally, payments might be rejected if you have established specific transaction restrictions on your card.


A decline occurs if a hold is placed at any point during the payment process. For example, the government or the central bank may place restrictions on foreign transactions.

You can add multiple cards to your account and set one as the default. If your default card fails, payment will be taken from another card on your account.

If your subscription is cancelled (suspended), the unpaid invoice on your account becomes void, and any attempt to settle that invoice will fail. To reactivate a suspended account, resubscribe.

We accept payments through PayPal and bank transfers for annual subscriptions. Check out our bank and PayPal account details here.

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