When a charge is being processed, there are automated systems that determine whether or not to accept the charge. These systems take various signals into account, such as account balance and card information like the expiration date, billing address, zip code, and CVC/CVV (the 3- or 4-digit verification number in the back of your card).
Because these signals are constantly changing, a previously successful card might be declined in the future. Even if all of the card information is correct, and you had a successful payment before, a future charge can still be declined by a bank’s overzealous fraud system.
Here are some frequently asked questions:
Why don't you show much information about a decline?
We show as much information from the bank as we can about a decline. But most reasons are generic, because banks want to protect their customers' privacy (for example, they won't tell us if there are insufficient funds on your account).
How do I decrease the likelihood of a decline?
The best way to prevent a decline is to ensure your card information (card number, expiration date, billing address, zip code, and CVC) is correct, because these are the primary factors used by a bank when deciding whether or not to accept a transaction.
What can I do about a decline?
If all of the card information seems correct, it's best to contact your bank or credit card company directly. You should be able to tell them what's happening, and ask for future charges to be accepted. We know it sounds tedious, but banks often fail to communicate to their customers about transaction-specific blocks.