Why is my credit card being declined?
If you are attempting to pay for an order on Nix-a-Crave and are receiving a message that the card you are using has been declined, there are a few possible reasons:
THE DECLINE IS COMING FROM YOUR BANK OR CARD PROVIDER
It's important to realize that the "declined" message is not coming from our website or bank, it is coming directly from your bank or card provider when we try to submit the charge.
Unfortunately, our eCommerce system does not get back any specific information about why the card is being declined, or how to correct it. Please contact your bank directly for the reason they are denying the charge.
Here are common reasons payments fail and how to fix them:
Credit card limits
Why your payment might have failed
Your credit card limit was reached (insufficient funds) Check your credit limit. You might have reached your daily or total credit card limit on the day you tried to charge your card.
The charge exceeded the maximum amount allowed for a single charge
Check the maximum amount your card can be charged at a single time. If the declined charge is higher than this amount, ask your credit card company to increase the limit.
(International Customers)
Your card doesn't allow international transactions
If you're making payments from outside the US, make sure your card accepts international charges.
Incorrect credit card information
Why your payment might have failed
Wrong expiration date: Review the expiration date on your credit card.
Wrong credit card number: If you think you might have entered the wrong credit card number, or if the card number changed, check the number and retry.
Billing address or phone number: Make sure that the telephone number and billing address you gave for your credit card match those that your credit card company has.
Incorrect or missing CVV Code: The CVV Number ("Card Verification Value") on your credit card or debit card is a 3 digit number on VISA®, MasterCard® and Discover® branded credit and debit cards. On your American Express® branded credit or debit card it is a 4 digit numeric code. The card security code is located on the back of MasterCard, Visa, Discover,Diners Club, and JCB credit or debit cards and is typically a separate group of 3 digits to the right of the signature strip. On American Express cards, the card security code is a printed, not embossed, group of four digits on the front towards the right.
Bank account problems
Here are the most common reasons for declined automatic bank account payments:
Insufficient funds: Make sure that your bank account has enough money to cover the charge.
Bank details: Make sure that the bank account number and bank name you provided in your Billing settings are correct.
Billing address: Check the billing address you entered for your bank account in your Billings settings. For payments to succeed, this address must exactly match the address your bank has on file. If you have enough funds and your bank details and billing address are correct, contact your bank to learn why your payment was declined.
What can I do if my bank is declining the transaction?
You will need to contact your bank to ask them why it is being declined.
Some customers have told us that their banks have declined transactions because of automated anti-fraud triggers holding things up. These are common reasons a bank will decline a transaction, and in some cases it takes a few calls to get the bank to reveal that (the front line support people may not know why).
From our end, we can only check for you that payments for other cards are going through fine, and that our payment gateway itself is operating correctly.
It's a frustrating issue and we'll do whatever we can to help you out.
WE HOPE THIS IS HELPFUL AND WE ARE HERE TO HELP FURTHER IF YOU NEED US.
If this is the case, please Contact Nix-a-Crave and we may be able to look up the reason on our credit card processor response report. Please include your login email address and the name on your card.
