Issues with making a payment ?

Below are the most common payment card failure reasons

1. Transaction declined by authorization system/Access denied to the authentication system :

This is a very vague reason that banks provide us, however, we do know that your bank has rejected the transaction

Contact your bank; ask them to approve transactions to Swipey.ai and "Whitelist" the merchant. (You may need to speak to your banks fraud team as general customer support are not commonly trained in resolving this)

2. Transaction declined (limit exceeded)/Access denied to the authentication system:

Not enough available funds were available in your account to successfully make the purchase

Add more funds to your account and try again

3. Transaction declined (suspecting manipulation)/ The transaction was declined due to suspected fraud :

Your bank/issuer has declined the transaction as there is a suspected fraud on this credit card number

Contact your bank; ask them to approve transactions to Swipey.ai and "Whitelist" the merchant. (You may need to speak to your banks fraud team as general customer support are not commonly trained in resolving this)

4. Risk management transaction timeout:

You did not enter your 3DSecure password at the authentication page. If no authentication page was visible, please tell our support team

Enter your password with your bank when prompted, complete the transaction within 2 minutes and don't close the payment window

5. Transaction declined (restricted card):

Your request has been declined because the request type is not permitted on the card.

6. Transaction declined (transaction not permitted):

The card you used is restricted to where it can be used. The restricted card is only allowed to be used for certain types of businesses or purchases

Use an alternate credit card or debit card, or contact your bank

7. AVS Check Failed/Implausible address data:

The billing details entered do not match what your bank has on file

Check your billing details, or contact your bank

8. Transaction declined (invalid card):

An invalid card number means that the card is likely closed at the card issuing bank and is effectively an invalid card

Check your payment details, or contact your bank

9. Bin blacklisted:

Due to high associated risk, the branch your card is registered to is blacklisted

Try another card

10. Transaction declined (account blocked)/Transaction declined (card blocked):

You bank account is temporary unable to transact

Try another card or contact your bank

11. Account Closed/Card expired:

The account connected to your card is closed/terminated

Try another card or contact your bank

12. User Authentication Failed:

Not authenticated because the issuer is rejecting authentication

Your card has not passed authentication

Check your payment details and try again

Please call the issuer. Do not retry transaction

13. Transaction declined for unknown reason:

Unknown failure reason

Contact your bank

14. Transaction declined (invalid CVV):

Transaction declined (wrong expiry date)

Incorrect card details

Check your card details and try again

15. Transaction declined (additional customer authentication required):

Your request has been declined because Strong Customer Authentication is required

Required to complete additional authentication with your bank

Contact your bank to complete authentication

16. Incorrect billing details:

Check your billing information and try again

17. Technical Error in 3D system:

Error with banks 3DS system

Try another card, or wait 5 minutes and try again

18.Invalid payment data/You are not configured for this currency or sub type (country or brand)/Card not accepted

Use Visa or Mastercard for direct card payments

19. Transaction declined (pick up card):

Account or user is blacklisted (card lost)

20. Account or user is blacklisted (card stolen):

Transaction declined (card lost)

21. Transaction declined (stolen card):

Card has been reported lost or stolen

Your account has been flagged for manual review

What's 3DS?

3DS stands for 3D-Secure and it's a security protocol used by issuers to authenticate users when making Online Payments. Designed to prevent fraud and unauthorised transactions, 3DS presents the user with a prompt from their issuer requesting verification via either a mobile banking app or an online password request from the issuer (confirming using two-step verification).

I need further assistance!

Still having issues or have further questions? Reach out to our support team

at

hello@swipey.ai