We know it can be frustrating when a payment doesn’t go through. Below are the most common reasons for card declines and what you can do to fix them:
1. My billing address is incorrect
If the billing address you enter doesn’t exactly match the one your bank has on file (including postcode), your bank may decline the transaction.
Solution: Double-check that your billing address matches your latest bank statement.
2. Insufficient funds
The card may not have enough balance or available credit.
Solution: Try another card, or check your account balance before retrying.
3. Incorrect card details
Even one small error (card number, expiry date, CVV, or name) can cause a decline.
Solution: Carefully re-enter your details and try again.
4. Bank security checks
Banks often block transactions they consider unusual - like online, international, or larger purchases.
Solution: Contact your bank to approve the transaction, then try again.
5. Card restrictions
Some debit/credit cards aren’t enabled for online or overseas purchases.
Solution: Ask your bank if your card is activated for online shopping.
6. Expired card
Expired cards are automatically declined.
Solution: Use a valid card or update your details with your bank.
7. Extra verification required (3D Secure)
If your bank requires an SMS code or app approval and it isn’t completed, the payment will fail.
Solution: Make sure you complete the security step when prompted.
8. Daily or transaction limits
Cards may have daily spending caps or single-purchase limits.
Solution: Try a smaller purchase, or contact your bank to adjust your limit.
9. Payment gateway issues
Rarely, there may be a temporary issue with the payment processor.
Solution: Wait a few minutes and try again, or choose an alternative payment method like PayPal, Afterpay, or another card.
Still having trouble?
If you’ve checked the above and your card is still being declined, please contact our customer service team and we’ll be happy to help.