There are several possible reasons your charge may have been declined.
When we submit a charge to your bank, they have automated systems that determine whether or not to accept the charge. These systems take various signals into account, such as your spending habits, account balance, and card information like the expiration date and CVV.
These signals are constantly changing, so a previously successful card might be declined in the future. Even if all of the card information is correct, and you previously had a successful payment, a new charge can still be declined by a bank’s fraud systems (or our e-commerce platforms' fraud system).
Possible reasons include the following:
- Incorrect billing address or zip code.
- Insufficient funds in your account (hey, we get it, those $6 lattes don't pay for themselves).
- A security flag from your card issuer or PayPal due to unusual activity.
- Placing your order from a different country to the country where your debit or credit card was issued (e.g. Ordering from Russia using a card issued by a U.S. bank).
- Placing your order whilst using a VPN or anonymizing software which hides your identity and location.
- Overzealous bank fraud systems.
- A browser error or bug.
A few things you can try to complete your order are:
- Triple-check your zip code or try your previous zip code if you have moved.
- Try a different web browser.
- Turn off your VPN if using one.
- You can try paying with PayPal instead of our in-cart payment gateway. You can still use your Debit of Credit Card when choosing PayPal.
- Contact your Bank or PayPal to check if your account has been flagged as potentially compromised.