Declined Transaction


There are times when you may receive an error message or email because we were unable to process your card on file. For registered users (Ambassadors), when we are unable to process your payment, we will notify you via email and ask that you update your method of payment within 48 hours. After 48 hours, has elapsed, we will reattempt authorizing the payment. For non-registered users (new users), continue reading. 

If you are unsure why your payment method was declined, please review the list below of “Common Reason for Declines.” Ensure to enter the card details exactly as they appear on the card and add the complete billing address (including city, state and zip/postal code) associated with the card being used. 

Common Reason for Declines



Account holder does not match card information

Customer Name does not match account holder name.

Account or User blacklisted

The account or user is being / has been blacklisted. If it is not a permanent blacklist they will be able to attempt purchase within 24 hours

Bin Blacklisted

The Bank BIN number has been blacklisted.

Card blacklisted

The Card has been blacklisted by either the processor or the card issuing bank. If it is not a permanent blacklist they will be able to attempt purchase within 24 hours.

Pick Up Card

The customer’s card has been reported as lost or stolen by the cardholder and the card-issuing bank has requested that merchants keep the card and call the number on the back to report it. As an online merchant, you don’t have the physical card and can't complete this request – obtain a different payment method from the customer.

Declined by Authorization System

Card Issuing Bank requires authorization for transaction due to multiple attempts, insufficient funds/ limit reached , card not approved for online transactions, card not enabled for overseas transaction.

Fraudulent Transaction

Card Issuing bank is flagging the transaction as fraud.

Refund Amount Exceeds Transaction

The amount being refunded is higher than the transaction amount.

Invalid Card

Closed Card

Invalid CVV

CVV that is being inputted is incorrect.

Limit Exceeded

The attempted transaction exceeds the withdrawal limit of the account.

Restricted Card

The customer will need to contact their issuing bank for more information.

Test accounts allowed in production

Test card being used to process transaction.

Transaction not permitted

The customer's bank is declining the transaction for unspecified reasons, possibly due to an issue with the card itself. 

Card Lost

Lost/ stolen card being used to make transaction.

Additional References:

Accepted Forms of Payment

Resolving Payment Challenges