Why was my card declined?

Unfortunately when the payment processing company declines a transaction on behalf of your bank or card issuer, it does not tell us why.

You will need to contact your bank or card issuer to find out the specific reason your card was declined, since they are the one declining the transaction, and not us.

Your card may have been declined by your bank or card issuer for a variety of reasons; common reasons include:

There are not enough funds available to process the transaction.

If you recently deposited funds to your debit or prepaid card, sometimes those funds are not available right away.  Likewise, if you recently made a payment to your credit card, your payment may not have been applied to your account yet.  Also, if another merchant has placed a "hold" on your account, this may unexpectedly reduce your available balance.  Contact your bank or card issuer, or log into your account on their website to check your balance.

Your card issuer or bank may require that you use "Verified by Visa" or "MasterCard Secure Code" to complete online sales.

If that is the case, please read our article on Cannot pay? Try MasterCard SecureCode or Verified by Visa.

Prepaid cards and gift cards (i.e. any cards that are temporary and without your personal information) may or may not be accepted.

Some prepaid card and gift card issuers allow you to register your card, typically through their website. In some cases, registering your card and entering your name and mailing address will enable the card to work. Information on how to register the card is usually listed on the back of the card or the packaging the card came in.

Some electronic cards may work, but others may not.

This will depend on the issuer of the card and whether our payment processing company supports that card type. Unfortunately not all electronic cards are supported.

Your bank has aggressive fraud detection measures and is blocking the transaction.

Some banks and card issuers will block any transaction they feel is not normal for your spending habits.  This is usually based on what you have purchased in the past and what they expect you to purchase in the future.  You would need to contact your bank or card issuer and explain that you are trying to make a purchase and request they remove the block.

The card is issued outside the U.S. and is for "domestic use only" or does not allow international transactions.

Some cards issued outside the United States that are marked for "domestic use only" or something similar usually won't work because those types of cards are typically not connected to the international payment network and only work locally.  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.

Your card issuer or bank has disallowed internet transactions.

Although not typically seen on cards issued in the U.S., some foreign card issuers and banks disable internet transactions.  Contact your bank or card issuer to make sure you can use your card for internet purchases.  Sometimes all you need to do is request that it be enabled.  Other banks issue more than one card with different features and may ask you to upgrade to a different card type.

You are trying to pay with an unsupported card type.

We accept MasterCard, Visa, Discover Network, American Express, JCB and Diners Club International.  Some other card brands may work, since they may have an alliance with one of these major brands.  You can always try your card and see if it works.  (See the article What forms of payment do you accept? for more details.)

Your bank or the payment processing company's network may be experiencing technical difficulties or be down for maintenance.

This does not happen very often, but it does happen from time to time, often when there are large numbers of transactions flowing through the system, such as during the holidays.  If the payment processing company cannot reach your bank to approve the transaction, they will typically decline the transaction in the bank's place.  In this case, the only thing to do is try again later when the system is back up.

These are only possible reasons why your card was declined.  Since the bank or card issuer did not tell us why, you will need to contact them for the reason your transaction failed.