Created by Visa and MasterCard, 3D Secure (Three-Domain Secure), also called 3DS is a payment security protocol that adds a layer of security to online credit and debit card transactions.
In order to complete an online purchase, the cardholder will then need to enter a one-time password (OTP) or complete a biometric authentication to confirm their identity before the payment is processed.
Given how the payment industry has evolved, not all merchants are 3D Secure-participating merchants. Ubersuggest along with some merchants has not implemented this security protocol yet.
In line with this, you may experience payment declines if your card requires an OTP when processing online payments. Since our business model is of subscriptions, payments are designed to be collected automatically hence we don't support OTP-based transactions.
Other than 3DS, there could also be several reasons why a payment is declined and here are some common ones:
1. Insufficient Funds: There might not be enough balance in the account to complete the transaction.
2. Incorrect Card/Account Details: The card number, expiration date, or CVV might have been entered incorrectly.
3. Expired Card: The debit or credit card used for the transaction might be expired.
4. Card Not Activated: Some cards require activation before they can be used for online transactions.
5. Issues with the Merchant’s Payment Gateway: There could be technical issues with the payment gateway of the website or app where the purchase is being made.
6. Cross-Border Transactions: Some cards are not enabled for international transactions. An additional step may be required to enable such transactions.
7. Transaction Limit Exceeded: Some accounts or cards have daily transaction limits.
8. Suspicious Activity: Banks often have security measures in place to flag suspicious transactions, which might result in the payment being declined.
9. Connectivity Issues: There might be network connectivity issues either at the user’s end or with the bank’s servers.
10. Bank’s Technical Issues: Sometimes, the bank might be experiencing technical difficulties affecting transactions.
11. Blocked Card: The card might be temporarily blocked due to multiple failed transaction attempts.
12. Obsolete Technology: If the card technology is outdated (e.g., a non-chip card), it might not be accepted by some merchants.
13. Declined by Issuing Bank: The bank might decline the transaction due to internal policies or risk assessments.
If you experience any payment declines, try to contact your bank or card issuer for precise information and guidance on how to resolve the issue. At the same time, we always recommend trying it with another card or payment method.
In addition, PayPal seems to be a widely accepted option for online payments, and many users find it to be one of the best options as it can enhance your overall transaction experience due to its convenience, security features, and wide acceptance.
For any questions, contact us at email@example.com.