Declines can happen for a variety of reasons. When we submit a charge to your bank, they have numerous automated systems that ultimately determine whether or not to accept the charge. These automated systems take various signals and conditions into account, such as your spending habits, account balance, and card information like the expiration date and CVC.
Since these signals and the bank's fraud-detection methods are constantly changing, a previously successful card might be declined in the future. Even when all of the card information is correct, and you previously had a successful payment, a future charge can still be declined by a bankís (overzealous) anti-fraud systems.
The amount of information provided to us when a charge fails is very limited. Unfortunately most declines other than AVS or missing CVC are generic, so we donít receive much specific information as to why a specific charge was declined. If all of the card information you enter seems correct, and your account contact details in our system match up exactly with the card you are using, it is best to contact your bank to inquire for more information before trying to make another payment, and sometimes it may be necessary to request that future charges initiated by us be accepted.