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Why was my credit/debit card declined? Print

  • credit card, payment, bank, paypal
  • 120

Declines can happen for a variety of reasons; most of them are generic. Thus, to our regret, we usually don't have much information as to why a specific charge was declined. Following Bacloud experience, 99% of payments are declined by banks. The correctness of the card number, the expiration date, and CVC are the primary factors banks take into account when deciding whether a transaction should be accepted or not. So the quickest way to get the issue resolved - communicate with our bank directly.

Every bank has its automated systems that take various signals into accounts, such as customers spending habits, account balance, and the aforementioned card information. Since these signals are constantly changing, even a previously successful card might be declined in the future. Even if all of the card details are correct and there were successful payments before, a future charge can still be declined by a bank’s fraud checking systems. Contact your bank or card issuer to find out the reason your card decline and request to remove the card block, if any.

In case of a decline, your card is not charged.

Though we don’t have much information as to why a particular charge is specifically declined, there are several options that can resolve the issue:

1) Make sure that your card supports international payments. Some banks offer two cards: one that can only be used locally, and one that works worldwide. Ask your bank or card issuer if your card can be used internationally for internet transactions.

2) Try using another web browser, clear the cache and disable any add-ons/extensions/plugins that may block the actions with the card. 

3) Make sure that your actions are not blocked by a firewall.

4) Try to create a PayPal account with your credit card and make a payment using the card through your PayPal account.

5) Contact your bank or card issuer to make sure you can use your card for internet purchases and there are no limits for online transactions. If for some reason you cannot make a purchase or deposit the whole amount at once, it is recommended that you try adding funds in smaller increments. Exceeding the limits for online payments may also be the root cause of the decline.

8) Try using a laptop or desktop computer with another internet connection (for example, with a VPN so your IP is not for your country).


If you still can't pay with your credit/debit card and the bank confirms, that there are no known issues to make a payment via card, please contact Bacloud sales department.

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