We understand that a declined card is an awkward situation. Unfortunately, most decline reasons we get with our payment providers are generic, so it’s not always possible for us to know exactly why a payment was declined.
When credit card payments are declined, it can happen for a variety of reasons.
Some debit cards can be processed, while others cannot. This is completely dependent on the card issuer. Some debit cards require a PIN in order for payments to be processed. We recommend that end-users subscribe using a non-debit credit card to avoid issues on collecting future subscription fees, as the checkout workflow is not designed to collect payment via direct debit with a PIN.
In addition, Visa prepaid debit cards must be specifically set up to allow international transactions (in the event your user is in another country than the country in which your payment provider is hosted) or online transactions, otherwise, the card will be declined when a collection of payment is attempted.
Other pre-paid cards are usually declined by default and cannot be used.
Sometimes, cards that originate in one country will be declined by payment processing accounts located in a different country. This is a fraud preventative measure put into place by banks. Please verify the origin or the end-user's card. If it does not match the country in which your payment processing account is located, please have the end-user contact their card issuer to ask about foreign account processing rules on their card.
If all of the card information seems correct, it is best to contact your card issuer and ask for more information.
Please also see what payment options we have here.