My credit card payment failed
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/approvecredit 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.|