Having insufficient funds is the most obvious reason behind a card decline. Source: RDNE Stock project 7 Potential Reasons Why Your Debit Card Is Declined ![]() Before you can use your card again, you must determine and fix the underlying issue. In most cases, the transaction will go through the second time around.Ī hard decline suggests that the bank or the card network deliberately blocked the transaction. A soft decline happens due to a temporary authorization failure. How should you proceed with a declined debit card?Ī debit card decline happens when a transaction cannot be processed because the payment gateway, the processor, or bank has declined the transaction.Ĭard declines can be soft or hard.What should you do if a debit card is declined?.To clarify the issues behind declined debit card transactions and present potential solutions, this guide will answer: The leading causes were technical errors and suspected card fraud. ![]() The situation is actually pretty common, so “ Why is my debit card declined when I have the money?” is a question frequently asked by many consumers.Ī 2022 survey on Digital Economy Payments found that less than 30% of declined payments were related to insufficient funds. However, there can be many reasons why a debit is declined regardless of the available funds. Having your debit card declined during checkout is inconvenient, especially when you know your checking account has the funds for the transaction.
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