Why was my card declined?

The card can be declined for various reasons; some common factors can lead to a card being declined. We recommend that you contact your bank for more help and to us on Support Chat for more information.

Common card payment failure

• The card was declined. This is a very vague reason that banks provide us, however, we do know that your bank has rejected the transaction.

Solution: check your banking app, contact your bank, or try a different card.

• Successful liability shift for enrolled cards is required. The issuer or bank requires further authentication before approving the transaction.

Solution: try a different debit or credit card, contact your bank, or try again later.

• The charge amount exceeds the available funds or the card's credit limit. Not enough funds in your card to complete the purchase.

Solution: add more funds to your account and try again.

• Successful liability shift is required for a card with 3D Secure. The issuer or bank requires further authentication before approving the transaction.

Solution: try a different debit or credit card, contact your bank, or try again later.

• The card number is not a valid credit card number. This indicates a problem with the information entered for the card.

Solution: double-check the credit card number, expiration date, and CVV. If you haven't already, also ensure that the card has been activated.

• Amount or currency does not match with requested in 3D-Secure verification. It typically indicates a discrepancy between the transaction details provided during the initial authorization request and the details presented during the 3D-Secure (3DS) verification process.

Solution: ensure that the amount and currency specified in the 3D-Secure request match the details provided in the initial authorization request.

• The card brand is not supported. The card brand used to complete the purchase is not supported on Flirtback.

Solution: Use a VISA or Mastercard.

• The charge requires authentication. The transaction needs to undergo a process called 3D Secure (3DS) authentication. 3D Secure is an additional layer of security for online credit and debit card transactions.

Solution: ensure that your payment processing system is set up to support 3D Secure

• Insufficient funds or credit limit exceeded. The cardholder does not have enough money to cover the transaction in the account associated with the credit card.

Solution: add more funds, try a different card, check your banking app, or contact your bank.

• The card has expired. An expired card is a credit card that is no longer usable because it has passed the expiration date determined by the credit card provider.

Solution: use a valid card not expired.

• Your card's security code is invalid. This indicates a problem with the information entered for the CVC.

Solution: please check and enter the details on the card correctly.

• The card is marked as lost or stolen. The card has been reported lost or stolen.

Your account has been flagged for manual review.

What is 3DS?

3DS, which stands for 3D-Secure, serves as a security protocol employed by issuers to validate users during online payment transactions. Its purpose is to prevent fraud and unauthorized transactions. To achieve this, 3DS prompts users with a verification request from their issuer, typically through a mobile banking app or an online password request that involves two-step verification.