Why Was Your Credit Card or Paypal Transaction Declined?

Regarding declined PayPal or credit card transactions:

When you place an order, the payment will be processed immediately with PayPal or within 24 hours prior to shipment for credit card payments entered into our system. If declined, we will cancel your order, and you'll be notified via email about the declined transaction.

Credit card declines can occur for several reasons:

1. Billing Address Mismatch: The billing address provided during your order must match the one on file with your credit card company. This address is where you receive your monthly statements. Discrepancies can lead to declines based on your credit card company's policies. To resolve this, please verify your billing address with your credit card company or re-enter your order with the correct address at your earliest convenience.
2. Incorrect Expiration Date or Card Number: Entering the wrong expiration date or card number can lead to immediate decline. Ensure you input the correct details when placing your order.
3. Insufficient Funds or Credit Limit Reached: Your card may be declined if there are insufficient funds in the case of a debit card, or if you've reached your credit card's maximum credit limit.
4. Daily Spending Limits: Especially with debit cards, a daily spending limit might be in place for security reasons. If this limit is exceeded, your card will be declined.

In the event of a decline, please check the above issues or contact your bank for further assistance before attempting to place your order again.

Occasionally, a customer might experience frustration due to their card being declined. It's important to understand that as retailers, including our team at COMPANY NAME, we do not have the authority to approve or decline your card. This decision is solely at the discretion of your credit card company, not our bank or staff. If you face a declined transaction, it is up to your credit card company to resolve the issue, either by lifting a restriction or it may require you to place a new order if incorrect information was submitted, leading to the rejection by your issuing bank.

Should this occur a second time, we advise you to immediately contact your credit card provider to confirm and rectify the following details:

1. Ensure the billing address on file matches your current expectations.
2. Confirm the expiration date on file aligns with what is on your card.
3. Check for any restrictions that might block online transactions.
4. Make sure the transaction amount does not exceed your card's credit limit.
5. Inquire about any daily purchase limits that might hinder processing transactions beyond a certain value.

Please note, credit card companies will not disclose reasons for a declined transaction to retailers. You must directly communicate with your card provider to gain insight and solve the issue. For security reasons, credit card companies will only discuss account details with the cardholder, which means you will need to initiate this conversation.