As you process credit card transactions, there is a high chance that you or your customers will encounter a credit card decline. While these can be frustrating, they're generally easy to resolve.

Most credit card declines can be resolved in the same way: by having the customer contact their bank or issuer.

Walla does not actually issue the decline codes. The transaction goes to Stripe, whose system then contacts the bank/issuer, who then either agrees that the card may be charged, or declines the charge. Declined transactions can be for any number of reason, ranging from a report of a stolen card, flags on the type of transaction, credit limits, and more. They can happen suddenly and without discernible reason on cards that have worked for payments historically, usually because a watchdog algorithm has seen what it interprets as a suspicious pattern of activity.

When having a customer contact their bank/issuer, they will want to provide the name and type of business that you operate to ensure that the reason for decline is not something specific to your business. In the extremely rare instance that their bank/issuer has no control over the decline, this information may help them identify what the issue may be on Walla's side.

As Walla grows and changes, the list of other decline types may grow. For now, there is one main type of decline that can be corrected easily: incorrect info entry.
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Usually this should occur when first hand-entering the client card. It is the primary reason that cards will decline during the entry process. Ensure that there is not a typo in their card information.