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There are a few possible reasons why your credit card payment may have been declined. The most common reasons are insufficient funds, expiration date, incorrect card information, or your card issuer may have declined the payment due to security reasons. If you believe the payment information is correct, please contact your card issuer for further assistance.
Here are some common reasons for payment failures and how to fix them:

• Issuer Response Code: 51

  • Issuer Response Msg: Not sufficient funds

  • Handling Method: Insufficient balance available in the account, insufficient credit limit, or excessive cash withdrawal limit, please contact the issuing bank.

• Issuer Response Code: 05

  • Issuer Response Msg: Do not Honour

  • Handling Method: The issuing bank refuses without reason, please contact the issuing bank.

• Issuer Response Code: 12

  • Issuer Response Msg: Invalid transaction card / issuer / acquirer

  • Handling Method: The corresponding card issuer cannot be found according to the main account number of the transaction request; The issuing bank or switching center is unavailable; The original transaction has not been accepted, and a transaction related to it has been received, such as a reversal transaction or a transaction cancellation; a transaction that should occur on the next day does not occur on the next day; Cancellation and reversal of the original transaction on the next day; The transaction is not executed, but the related transaction information is received (for example, the pre-authorization transaction is not accepted, and the pre-authorization completion or cancellation transaction is received).

• Issuer Response Code: 26

  • Handling Method: High-risk orders are blocked by bank risk control, please contact the issuing bank to cancel the restriction.

• Issuer Response Code: 59

  • Issuer Response Msg: Suspected Fraud

  • Handling Method: The fraudulent order, please contact the card issuer to cancel the limit.

1. Possible fraud:

Risk order,You need to pay for the order after 3h.

2. Issuer suspected fraud:

Fraudulent orders, you can contact your card issuer to remove the restriction.

3. Authentication required，refer to card issuer:

The issuing bank declined the transaction and you need to contact the issuing bank to get the reason for the failure.

4. Insufficient funds:

Your account has an insufficient available balance, an insufficient credit limit, and an over-limit on cash withdrawals. You can pay with a different card or use PayPal.

5. Incorrect PIN:

3D security code verification failed, you need to re-verify.

6. Exceeds PIN retry:

3D Transaction PIN number of incorrect entries exceeds the limit. You can pay with a different card or contact your bank to lift the restriction, or you can use PayPal.

7. Activity count limit exceeded:
   
   1. The card exceeds the issuing bank’s limit on the number of purchases for the day.
   2. The card exceeds the issuing bank’s limit on the number of verifications for the day.

You can pay with a different card or contact your bank to lift the restriction, or you can use PayPal.

8. Exceeds amount limit:

Exceeding the single purchase limit; Withdrawal amount exceeding the limit; Exceeding the cardholder’s customized single withdrawal/spending limit; Exceeding the transfer limit; You can place a payment in multiple orders or change your single limit.