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Why is my credit card rejected and I get an debit error?

We use a very well established, secure credit card payment gateway service Stripe to process your credit card payment. We do not store any of your credit card information directly in our system.

In case your credit card was rejected by our payment gateway vendor here are some tips to solve the problem.

If none of the following hints helps, the next step is to contact your bank to find out why your card is being declined. The system we use only tells us that the card has been declined but gives no reasons.

Your bank will be able to provide you the exact information why the transaction failed.

Your bank will be able to provide you the exact information why the transaction failed. You may be told initially that your card is fine. However, we recommend that you ask to speak to someone in their fraud protection department who may know better. If you are asked by your bank for the merchant id, please tell them QR PLANET QR CODE APP.

Before doing that check the following points that may help you to solve the problem first

Your credit card is expired

Check if the credit card has expired. You may have stored an old credit card in our system.

Your credit card company is blocking our charge

If your bank has refused the payment it might has been flagged as a ‘suspicious international online purchase‘. The bank may require that you as the cardholder contact them to confirm that we are a valid merchant. Reassure them that the purchase is legitimate and then try again. If there is another issue, they will be able to explain it to you.

You have insufficient funds

Also check whether your card limit has not been exceeded. At the end of the month in particular, too many amounts may have been debited. Even if you have a “no limit” credit card, some banks may initially put a low limit (to protect against fraud) on new cards. Contact your bank to change this limit.

Strong customer authentication is required

For secure payment processing, we are obliged to use the Mastercard 3D Secure and Verified by Visa. Please ask your bank whether this technology has already been activated on your credit card. If your card already has this technology, after entering your credit card data, a new Visa or Mastercard window will appear, where you will be asked to enter your Visa or Mastercard Secure Code and an SMS tan.

The CVV2 security code was entered incorrectly

make sure you include the CVV2 “security code” printed on your credit card. For American Express, it’s usually a 4-digit code on the front. Other cards usually have a 3-digit code printed on the back (see diagram below).

3-digit CVV2 code on the back of Master or Visa, or 4-digit code on the front of Amex cards
3-digit CVV2 code on the back of Master or Visa, or 4-digit code on the front of Amex cards

Our Payment gateway is offline

The secure credit card gateway system might be busy at the moment. Try again in a couple of minutes. When the lines are busy, there’s not much we can do to speed that up, but they do eventually clear up soon.

Check your network

Make also sure that your internet connection is not blocking Stripe and your browser has no plugins installed that interfere the payment flow.

You might try to do a payment transaction from a different browser or machine or internet connection. If you are behind a firewall use your mobile phone (without wi-fi connection) and try it again from there.

Last update 7 months ago
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