You may encounter a situation where a client's payment gets declined when it seems like it should go through. The decline codes and authorization process are managed by the client's card issuer, so we cannot directly influence or make a declined payment go through. In this article, we guide you through the process on how to work with your client and have your client work with their card issuer.
Why a payment declines
Decline codes come directly from the client's card issuer (the bank or institution that issued your card) and are sent to our payment partner, Stripe. Stripe then passes on this information to us, and we display the reason for the decline on our platform. These decline codes can vary and might include reasons such as insufficient funds, expired card, or other security-related concerns.
Steps you can take to help your client take care of a declined payment:
Verify Card Details: Before trying another card, double-check that you've entered the card details correctly during the payment process. Sometimes, a simple typo can lead to a decline.
Contact Your Bank/Card Issuer: If your payment is declined, the best course of action is to get in touch with your bank or card issuer directly. They will be able to provide you with specific information about the decline and any potential solutions. Sometimes, the decline might be due to a temporary issue that your bank can resolve quickly.
Try Another Card: If speaking with your bank or card issuer doesn't resolve the issue, you may want to try using another card.
Check Account Balance: If the decline reason is related to insufficient funds, ensure that your account has enough balance to cover the payment amount.
What Walla can do to help
While we're here to support you in every way possible, unfortunately, there are limitations to what we can do in cases of declined payments. The decline codes and authorization process are handled by the card issuer. Stripe then shares the information with us to pass along to you. If the card continues to decline and you went through the above steps, your client must try another card.