You are reading this article because we have tried to run your credit/debit card and it came back with a "payment denied/failed" message.
Declines can happen for a variety of reasons. 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 post code, expiration date and CVC (the 3 digit number on the reverse of your card) as well as your post code.
Since some of these signals are constantly changing, 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 future charge can still be declined by a banks overzealous fraud systems.
Finding out more information about a specific decline
We only have access to as much information as we receive from your bank about a decline. Unfortunately most declines are generic, EG: "card declined" or "zip code incorrect", so in general we don't have much specific information as to why a charge was declined.
If you feel that all the card information seems correct, it is best to contact your bank, inquire for more information, and ask for future charges to be accepted from HSWS - High Speed Web Services.
Decreasing the likelihood of declines
The correctness of the card number, the expiration data, CVC and post code are the primary factors used by the your bank when deciding whether or not to accept a transaction.
The influence of other data that you collect, like the address or name, varies by card brand. For example, only American Express consider the customer's name.