Payment Problems and Solutions
1. Why was my credit card payment declined?
When a customer pays by credit card, the card-issuing bank performs a series of checks to keep the transaction secure and protect the cardholder. When the bank cannot confirm certain details, it may stop the payment from going through. Below are some frequent causes of failed payments and the steps that can help resolve them:
a. Incorrect billing-address ZIP code (responsible for 75% of credit card payment failures)
Issuing banks commonly verify the ZIP code to confirm that the payment was made by the cardholder and to lower the risk of fraud. For this reason, when a credit card payment is rejected, please make sure the ZIP code entered is correct.
Solutions:
1. Provide the correct ZIP code.
2. If you do not remember the ZIP code linked to the card, complete the payment with another card.
b. Payment declined because of risk screening
During checkout, issuing banks usually review details such as the IP address and user agent to verify that the transaction was started by you, helping reduce the chance of fraud.
Solutions:
1. When the payment is declined, contact the issuing bank to ask for clarification.
2. Try paying with another credit card that you use regularly.
These are some of the most common reasons why credit card payments fail. For any additional questions, please reach out to the Megelin customer service team. We are ready to assist you with care.
Payment Problems and Fixes
1. Why was my credit card payment declined?
When a customer pays by credit card, the issuing bank performs a set of security checks to help keep the transaction secure and protect the cardholder. If the bank finds that the payment cannot continue, it is normally because certain details could not be verified, leading the bank to stop the transaction. We have gathered several common causes of payment declines and how to resolve them:
a. Wrong billing address zip code (responsible for 75% of credit card payment declines)
Card issuers commonly use zip code verification to confirm that the purchase is being made by the cardholder, helping lower the risk of fraud. Therefore, if your credit card payment is unsuccessful, please verify that the zip code entered is correct.
Solutions:
1. Enter the accurate zip code.
2. If you do not remember the zip code linked to the card, try completing the payment with a different card.
b. Payment declined because of risk checks
Issuing banks usually review the IP address and browser information during checkout to confirm whether the payment was started by you, helping reduce potential fraud.
Solutions:
1. If the payment is declined, please contact your card-issuing bank for more information.
2. Use another credit card you regularly use to complete the payment.
The points above are common causes of credit card payment declines. If you have any other questions, please reach out to our Megelin customer support team. We are ready to assist you carefully.