3D Secure, commonly known as 3DS, was developed by Visa and MasterCard to make online credit and debit card transactions safer. This added security layer prompts cardholders to enter a one-time password (OTP) or use biometric authentication before their payment goes through.
However, not all merchants, including Ubersuggest, currently support 3D Secure. This can cause payment declines for customers whose cards require an OTP for online purchases, especially for subscription-based services where automated payments are standard.
- 3D Secure and Payment Declines
- Common Reasons for Payment Declines
- Insufficient Funds
- Incorrect Card/Account Details
- Expired Card
- Card Not Activated
- Issues with the Merchant’s Payment Gateway
- Cross-Border Transactions
- Transaction Limit Exceeded
- Suspicious Activity
- Connectivity Issues
- Bank’s Technical Issues
- Blocked Card
- Obsolete Technology
- Declined by Issuing Bank
- Exploring Alternatives
3D Secure and Payment Declines:
In the payment industry, not all merchants use 3D Secure. While it adds security, the lack of this feature on some platforms, like (Tool name), can cause payment issues. For subscription services that rely on easy, automated payments, requiring OTPs can disrupt the process. For this error, there is a workaround to connect the card to PayPal’s wallet and process the payment again.
Common Reasons for Payment Declines
Understanding payment declines goes beyond the absence of 3D Secure. Various factors contribute to transaction failures, and it's crucial to identify and address them promptly. Below are some common reasons for payment declines, each requiring unique solutions:
Insufficient Funds
This occurs when there isn’t enough balance in the account to complete the transaction. The users should check their account balance and ensure it covers the payment amount. If necessary, transfer funds to the account before attempting the transaction again.
Incorrect Card/Account Details
This happens when the card number, expiration date, or CVV is entered incorrectly. The users should double-check all card information carefully and re-enter it to ensure accuracy before submitting the payment.
Expired Card
The transaction fails because the debit or credit card used has passed its expiration date. The users should update the payment method with a valid card that has not expired, or contact their bank to renew the card. Please check more details about the accepted payment methods in What Payment Types Does Ubersuggest Accept?
Card Not Activated
Some cards need to be activated for online transactions. The users should contact the card issuer or check the bank's app to activate the card.
Issues with the Merchant’s Payment Gateway
Technical issues with the website or app's payment gateway may prevent transactions. The users should try again later or contact the merchant for assistance.
Cross-Border Transactions
Cards not enabled for international transactions may require activation. Contact the card issuer to enable this feature.
Transaction Limit Exceeded
The account or card has surpassed its daily transaction limit. Contact the card issuer to request a limit increase or try again the next day.
Suspicious Activity
The transaction was flagged as potentially suspicious and declined for security reasons. Contact the card issuer to verify the activity and resolve the issue.
Connectivity Issues
Network problems at the user's end or with the bank's servers may disrupt transactions. The users should check the internet connection or try again later. If the issue persists, contact their bank for assistance.
Bank’s Technical Issues
Technical difficulties at the bank may temporarily affect transactions. Wait for some time and try again, or contact the bank for update
Blocked Card
The card may be temporarily blocked due to multiple failed attempts. Contact the card issuer to unblock it and verify the transactions.
Obsolete Technology
Outdated card technology, such as non-chip cards, may not be accepted by certain merchants. Consider upgrading to a modern card by contacting the card issuer.
Declined by Issuing Bank
The payment was declined by the bank due to internal policies or risk assessments.
For declined payments, contact the bank or card issuer for detailed information and guidance. If the issue persists, consider using an alternative card or payment method.
Exploring Alternatives
PayPal is a widely accepted and convenient option for online transactions. Known for its robust security and broad acceptance, it can enhance the transaction experience. Using PayPal as an alternative may help resolve payment decline issues.