Payment Failure Guidelines

OUFER Body Jewelry supports various payment methods, including credit cards, debit cards, and digital wallets. Such as American Express, Apple Pay, Diners Club, Discover, JCB, Mastercard, Visa, PayPal, and Venmo. You can choose the payment method you are most familiar with to complete your order.

We use the Stripe/Payoneer Gateway to process credit and debit card payments. Sometimes, we receive emails from clients or customers reporting difficulties in completing their transactions due to checkout issues. Here, we have gathered the reasons for payment declines and provided solutions to resolve them.

There are two possible reasons why a credit card payment might fail:

  1. Payments Declined by Card Issuers
  2. Blocked Payments

 

Payments Declined by Card Issuers:

When a charge is submitted to your card issuer, automated systems and models are used to determine whether to authorize it. These systems analyze various signals, such as your spending habits, account balance, and card information (including the expiration date, address details, and CVC). If any of this information is incorrect, the payment may be declined.

Blocked Payments:

Stripe's automated fraud prevention toolset, Radar, identifies and blocks payments that are deemed high-risk. For instance, if Radar detects that the CVC does not match the information on file with your card issuer, the payment will be blocked.

You may receive failure information in the form of error codes or descriptions. Here, we have compiled all possible reasons for payment declines along with their solutions, hoping to assist you.

 

Decline Codes

Description You Received

How to Do Next?

Your card has insufficient funds You need to change anonther card for payment.
do_not_honor The card has been declined for an unknown reason. You need to contact the card issuer for more information.
card_not_supported The card does not support this type of purchase. You need to contact the card issuer to make sure the card can be used to make this type of purchase.

Authenticaction_

required

The card was declined as the transaction requires authentication.

You should try again and authenticate the card when prompted during the transaction.

approve_with_id

The payment cannot be authorized.

The payment should be attempted again. If it still cannot be processed, you need to contact the card issuer.

call_issuer

The card has been declined for an unknown reason.

You needs to contact the card issuer for more information.

card_velocity_

exceeded

The customer has exceeded the balance or credit limit available on their card.

You should contact the card issuer for more information.

currency_not_

supported

The card does not support the specified currency.

You need to check with the issuer whether the card can be used for the type of currency specified.

do_not_try_again

The card has been declined for an unknown reason.

You should contact the card issuer for more information.

duplicate_transaction

A transaction with identical amount and credit card information was submitted very recently.

Check to see if a recent payment already exists.

expired_card

The card has expired.

The customer should use another card.

fraudulent

The payment has been declined as Stripe suspects it is high risk.

You should contact the card issuer for more information.

generic_decline

The card has been declined for an unknown reason.

You need to contact the card issuer for more information.

incorrect_number

The card number is incorrect.

You should try again using the correct card number.

incorrect_cvc/

invalid_cvc

The CVC number is incorrect.

You should try again using the correct CVC.

incorrect_pin/

invalid_pin

The PIN entered is incorrect. This decline code only applies to payments made with a card reader.

You should try again using the correct PIN.

incorrect_zip

The ZIP/postal code is incorrect.

You should try again using the correct billing ZIP/postal code.

insufficient_funds

The card has insufficient funds to complete the purchase.

You should use an alternative payment method.

invalid_account

The card, or account the card is connected to, is invalid.

You need to contact the card issuer to check that the card is working correctly.

invalid_expiry_year

The expiration year invalid.

You should try again using the correct expiration date.

invalid_number

The card number is incorrect.

You should try again using the correct card number.

issuer_not_available

The card issuer could not be reached, so the payment could not be authorized.

The payment should be attempted again. If it still cannot be processed, you need to contact the card issuer.

new_account_

information_available

The card, or account the card is connected to, is invalid.

You need to contact the card issuer for more information.

no_action_taken

The card has been declined for an unknown reason.

You should contact the card issuer for more information.

not_permitted

The payment is not permitted.

You need to contact the card issuer for more information.

pickup_card/restricted_

card/stolen_card

The card cannot be used to make this payment (it is possible it has been reported lost or stolen).

The customer needs to contact their card issuer for more information.

pin_try_exceeded

The allowable number of PIN tries has been exceeded

You must use another card or method of payment.

processing_error

An error occurred while processing the card

The payment should be attempted again. If it still cannot be processed, try again later.

reenter_transaction

The payment could not be processed by the issuer for an unknown reason.

The payment should be attempted again. If it still cannot be processed, you  need to contact their card issuer.

revocation_of_

authorization

The card has been declined for an unknown reason.

You should contact the card issuer for more information.

security_violation

The card has been declined for an unknown reason.

You need to contact the card issuer for more information.

service_not_

allowed

The card has been declined for an unknown reason.

You should contact the card issuer for more information.

stop_payment_order

The card has been declined for an unknown reason.

You should contact the card issuer for more information.

transaction_not_allowed

The card has been declined for an unknown reason.

You need to contact the card issuer for more information.

try_again_later

The card has been declined for an unknown reason.

 Attempt the payment again. If subsequent payments are declined, you should contact the card issuer for more information.

withdrawal_count_

limit_exceeded

You have exceeded the balance or credit limit available on their card.

You should use an alternative payment method.

 

The reasons mentioned above cover most of the potential causes of failed payments. Please feel free to contact us for assistance with any issues, not only related to payments but also any other inquiries. We are always here to serve you. (Email: support@ouferbodyjewelry.com)