If your card payment was declined by the bank, there could be several reasons why it has happened. This guide can help you understand more on why it has happened.
This article explains why card payments can fail, what each message means, and what steps you can take to complete your purchase successfully.
What a “Declined” message means
Declined” message means that your bank or card issuer didn’t authorize the transaction.
Paybis never blocks or withholds your funds — we only process payments once they’ve been approved by your bank.
Common reasons your card may be declined
Bank blocked the transaction for security reasons
Banks often block payments that look unusual — for example, a first-time crypto purchase, or a large international payment.
What to do:
Contact your bank and confirm that you are making a legitimate cryptocurrency purchase with Paybis.
Ask them to lift any restrictions on international or high-risk transactions.
Crypto purchases are restricted by your card issuer
Some banks and card networks do not allow cryptocurrency transactions.
What to do:
Ask your bank whether crypto or “digital currency” transactions are supported.
If not, try using a different card (Visa or Mastercard are generally accepted).
Insufficient funds or low daily limit
Your card might not have enough available balance, or you may have reached your daily spending limit.
What to do:
Check your available balance and your card’s daily limit for online or international payments.
Try again with a lower amount or a different card.
Incorrect card details
A small typo can cause a decline.
What to do:
Double-check that your card number, expiry date, CVV, and billing address are entered correctly.
Make sure your card is active and not expired.
3D Secure verification failed
Most card payments require a 3D Secure (SCA) confirmation — for example, a one-time code or bank app approval.
What to do:
Make sure you complete the 3D Secure step correctly and within the time limit.
If you never received the 3D Secure prompt, try a different browser or device.
Card not enabled for international or online use
Some banks restrict online or foreign transactions by default.
What to do:
Log in to your banking app or contact your bank to enable online and international payments.
Technical or temporary issue
Occasionally, there may be a short-term issue with your bank’s or our payment processor’s network.
What to do:
Wait a few minutes and try again.
If the issue persists, try using a different payment method such as bank transfer or another card.
What happens to the declined amount
If your payment was declined, no funds were taken from your account.
You might see a temporary hold on your card — this is an authorisation that your bank will automatically release, usually within 2–5 business days.
Still having issues?
If your card keeps getting declined even after checking all of the above? Please contact our support team and we will try to assist you in the best way possible.