A credit card may be declined for a number of reasons.
- Cardholder authorization is required by the bank
- Insufficient funds
- Expired credit card
- Incorrect card number, expiration date, or verification code provided
- Incorrect billing address & zip code provided (AVS Error)
It is generally suggested to contact the bank to resolve or obtain further information regarding the decline and also in case there are any issues that may need cardholder attention prior to re-attempting the transaction. Additionally, it is also suggested to re-enter the payment details online through the order page (See Instructions
) in case any incorrect data was provided. We will re-attempt the payment upon customer request or once the payment details are updated online automatically.
The customer may see a pending charge on their credit card if the error is for any other reason except for insufficient funds, such as an incorrect billing address and zip code. This is because the card has sufficient funds to cover the purchase; however, the transaction was declined as a security precaution. This pending charge will usually disappear from the customer's credit card in 3 to 5 business days from the declined transaction. The merchant processing company will issue a reversal at settlement time. This reversal is then processed by the customer's card issuing bank. Then they will release any declined transactions back to the customer once they have processed the reversal. Again, no funds will be transferred so long as the transaction is marked Declined.