Managing Declined Transactions

Declined transactions are common with card usage. There are three types of declines that users may experience. Users will be notified for each of these declines with ways to manage them.

The first decline is due to an attempted authorization that exceeds the remaining amount on the card. We will notify the user and suggest to top up their card and retry.

The second decline type can be due to a card that has been inactivated, expired or was closed. For each of these reasons we will advise the user to top up their card or request a new one.

The third type of decline is related to the actual funding account that is connected to the application. These can be due to lack of funds, credit limit reached, fraud or other aspects that only the issuer can reveal to managers of the funding account. In these cases we will notify the user as well as the primary card holder set in user management to have them contact their issuers.

Other declines may require a safekey or confirmation of the transaction. These notifications will be sent directly by the card issuer to either the card managers, the card holder or both function of the issuer’s practices and capabilities.