A card payment can be declined for a few common reasons:
- Insufficient balance: there isn't enough money in the account, or the card has reached its limit.
- Incorrect card details: the card number, expiry date or security code (CVV) was entered incorrectly.
- Failed authentication: the customer didn't complete their bank's security check, or it timed out.
- Bank declined: the customer's bank or card issuer refused the payment, for example because of its own fraud checks.
If a card payment fails, you'll see an error code against the invoice in your Atoa dashboard. For the full list of error codes, what they mean and what to do next, see Card Payment Errors Explained.
If the problem continues, ask your customer to try another card or payment method, or to contact their bank.