A payment declined can be a frustrating experience, leaving you puzzled and anxious about what went wrong.
The payment processor that is used by Ubersuggest is one of the leading solutions in the payments marketplace and it works with most credit and debit cards including Visa, Mastercard, Discover, American Express, and UnionPay. We also accept PayPal, but we’ve seen that some cards are either being declined.
Among the reasons why this may have happened, the three main reasons why cards typically get declined are:
Payments Declined by Card Issuers
When a charge is submitted to the issuer of a customer’s card, our systems analyze various signals, such as your spending habits, and account balance as well as card information such as the expiration date, address information, and security code. That´s why it´s important to double-check that the card information is correct, and if the card has enough funds when trying to complete the purchase.
Unfortunately, most declines are categorized by the card issuer as “generic” so it’s not always possible to know exactly why a payment was declined. If all the card information seems correct, contact your card issuer and ask for more information.
Some people may find that their card has restrictions on the type of purchases it can make. FSA/HSA cards are often limited to certain types of businesses (e.g., healthcare providers), so any other type of purchase would be declined. In addition, some card issuers may not allow purchases from certain countries or outside of their own. In either case, you’d need to contact your card issuer to check for any restrictions that may be in place.
If you’re using cards issued in a different country than the United States, you may experience card declines. The best and fastest way to resolve this is for you to contact your issuing bank to authorize the charge.
We recommend you check if your situation doesn’t fall into any one of those three scenarios, as this would help you get to a solution to the card decline issue you’ve been facing.
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