My credit card payment failed

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When a charge is submitted to a bank or card issuer, automated systems determine whether or not the transaction will be authorized. These systems take various signals into account, including your spending habits, account balance, fraud prevention efforts, and up to date card information. 

TFX never sees your CC numbers for security reasons

We have to make one thing clear - this process is completely out of our (TFX) hands. We do not receive nor see your card details - they are sent directly to the credit card processor. All we get back from it is notification of whether your payment was processed or was declined. In other words, we have as much knowledge about the failure as you. The only thing we can do is enable another credit card processor in your account. If the card was declined with one, it might work with another.

If your card issuer declines a payment, we share with you as much information explaining the decline as we receive (e.g., invalid card number or insufficient funds). 

We understand that a declined card is never an ideal situation for you - nor for us. In fact, it can be quite awkward. But, if a charge is declined, it's because the card issuer is signaling that the card cannot be processed. Unfortunately, most declines are categorized as “generic,” so it’s not always possible to know exactly why a payment was declined.

If all of the card information seems correct, it is best to contact your card issuer and ask for more information. For privacy and security, card issuers can only discuss the specifics of a declined payment with their cardholders, not the merchant.  

Why would your card not support an online transaction? 

  • Some debit cards require a PIN to be entered. If you are trying to use one of those cards, they'll need to use another card to complete the transaction.
  • Some cards have restrictions on cross-border usage. This could cause a problem if the card was issued in a state or country other than where we are located. You should contact the card issuer to  check/approve  credit transactions attempted. 

Common decline codes issued to Stripe (CC processor)

The following is a list of the most common decline codes issued to Stripe:

card_not_supported The card does not support this type of purchase.
do_not_honor The card has been declined for an unknown reason.
do_not_try_again The card has been declined for an unknown reason.
duplicate_transaction A transaction with identical amount and credit card information was submitted very recently.
expired_card The card has expired.
fraudulent The payment has been declined as Stripe suspects it is fraudulent.
generic_decline The card has been declined for an unknown reason.
incorrect_number The card number is incorrect.
incorrect_cvc The CVC number is incorrect.
incorrect_pin The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
incorrect_zip The ZIP/postal code is incorrect.
insufficient_funds The card has insufficient funds to complete the purchase.
invalid_account The card, or account the card is connected to, is invalid.
invalid_amount The payment amount is invalid, or exceeds the amount that is allowed.
invalid_cvc The CVC number is incorrect.
invalid_expiry_year The expiration year invalid.
invalid_number The card number is incorrect.
invalid_pin The PIN entered is incorrect. This decline code only applies to payments made with a card reader.
issuer_not_available The card issuer could not be reached, so the payment could not be authorized.
lost_card The payment has been declined because the card is reported lost.
new_account_information_available The card, or account the card is connected to, is invalid.
no_action_taken The card has been declined for an unknown reason.
not_permitted The payment is not permitted.
pickup_card The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
processing_error An error occurred while processing the card.
reenter_transaction The payment could not be processed by the issuer for an unknown reason.
restricted_card The card cannot be used to make this payment (it is possible it has been reported lost or stolen).
stolen_card The payment has been declined because the card is reported stolen.
transaction_not_allowed The card has been declined for an unknown reason.
try_again_later The card has been declined for an unknown reason.
withdrawal_count_limit_exceeded The customer has exceeded the balance or credit limit available on their card.
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