--- title: I received a certain card processing decline reason, what does it mean? description: A card transaction may be declined due to various reasons. This table explains each decline reason and the action items you can take to resolve it. --- [Skip to content](https://support.tazapay.com/card-decline-reasons#main-content) [![Tazapay- full colour - teal-blue](https://support.tazapay.com/hs-fs/hubfs/Tazapay-%20full%20colour%20-%20teal-blue.png?width=165&height=64&name=Tazapay-%20full%20colour%20-%20teal-blue.png)](https://tazapay.com/) Open main navigation Close main navigation - [Contact Us](https://tazapay.com/contactus/) [Contact Us](https://tazapay.com/contactus/) Find Help & Support for your International Payments Here. - There are no suggestions because the search field is empty. 1. [Tazapay Knowledge Base](https://support.tazapay.com/?hsLang=en) 2. [Products](https://support.tazapay.com/products?hsLang=en) 3. [APIs](https://support.tazapay.com/products?hsLang=en#apis) # I received a certain card processing decline reason, what does it mean? ## A card transaction may be declined due to various reasons. This table explains each decline reason and the action items you can take to resolve it. | Remarks | Description | Action Item | | --- | --- | --- | | Payment failed | 3DS failed or the user abandoned the 3DS auth | Ask the user to contact the issuer bank to understand the 3DS failure reason | | \ | | | | Authentication abandoned | | | | Authentication failure | | | | Suspected Fraud | The issuer declined the transaction due to risk reasons. Sometimes issuers also decline transactions for overseas merchants with this as a generic error code | Contact the issuer or retry with a different card | | Fraud | | | | Declined - Do Not Honour | | | | Do not honour | | | | Fraud/Security related reasons | | | | Transaction Cannot be Completed | | | | Fraud | | | | Insufficient Funds | Insufficient funds in Cardholder Account / Transaction exceeded card limits | Ask the buyer to retry with another card with sufficient balance/limits | | Insufficient funds/over the credit limit | | | | Exceeds Withdrawal Value/Amount Limits | | | | Exceeds withdrawal amount limit | | | | Security | The issuer declined the transaction due to a security violation | Ask the buyer to contact the issuer | | Policy | The issuer has declined the transaction for undisclosed policy reasons. Retrying the transaction is unlikely to result in success | We recommend that the buyer contacts their issuing bank to discuss the declined transaction for policy reasons. Please advise them to reach out to their bank before attempting the transaction again. | | Risk Blocked Transaction | Risk decline e.g due to velocity rules | Contact Tazapay if different rules need to be configured | | Decline for CVV2 Failure | Incorrect CVV | Ask the buyer to retry with the correct CVV | | invalid cvc | | | | Blocked, first used-transaction from new cardholder | Card Blocked | Payment has been declined by the issuer, ask the buyer to contact the issuer | | Transaction not Permitted to Cardholder | Card not allowed on this merchant/vertical | Contact the issuer or try with a different card | | Invalid merchant | | | | Expired card | Card Expired | Ask the buyer to use a valid card or enter the correct expiry date | | Invalid Transaction | Technical error | Raise this with the Tazapay tech team | | Closed Account | Card holder account is closed/blocked/invalid | Ask the buyer to contact the issuer | | Restricted Card | Card not allowed for the merchant /vertical/ country | Ask the buyer to use a different card | | Previously declined do not retry | Card has been declined due to excessive re-tries | Ask the buyer to use a different card | - [Global Collection Accounts](https://support.tazapay.com/global-collection-accounts?hsLang=en#main-content) - [Your Collection Accounts](https://support.tazapay.com/global-collection-accounts?hsLang=en#your-collection-accounts) - [Receiving Payments](https://support.tazapay.com/global-collection-accounts?hsLang=en#receiving-payments) - [Collecting on Behalf of Your Customers](https://support.tazapay.com/global-collection-accounts?hsLang=en#collecting-on-behalf-of-your-customers) - [Payments](https://support.tazapay.com/payments?hsLang=en) - [Products](https://support.tazapay.com/products?hsLang=en#main-content) - [Dashboard](https://support.tazapay.com/products?hsLang=en#dashboard) - [Escrow](https://support.tazapay.com/products?hsLang=en#escrow) - [Payment Links](https://support.tazapay.com/products?hsLang=en#payment-links) - [APIs](https://support.tazapay.com/products?hsLang=en#apis) - [Shopify](https://support.tazapay.com/products?hsLang=en#shopify) - [WooCommerce](https://support.tazapay.com/products?hsLang=en#woocommerce) - [KYB/KYC](https://support.tazapay.com/kyb-kyc?hsLang=en) - [Fees & Charges](https://support.tazapay.com/fees-charges?hsLang=en#main-content) - [Platform Fees](https://support.tazapay.com/fees-charges?hsLang=en#platform-fees) - [FX Rates](https://support.tazapay.com/fees-charges?hsLang=en#fx-rates) - [Security](https://support.tazapay.com/security?hsLang=en#main-content) - [Licenses](https://support.tazapay.com/security?hsLang=en#licenses) - [Accounts](https://support.tazapay.com/accounts?hsLang=en#main-content) - [Team](https://support.tazapay.com/accounts?hsLang=en#team) - [Documents](https://support.tazapay.com/documents?hsLang=en#main-content) - [Documentary Proof](https://support.tazapay.com/documents?hsLang=en#documentary-proof) - [FIRA](https://support.tazapay.com/documents?hsLang=en#fira) - [Amendments & Disputes](https://support.tazapay.com/amendments-disputes?hsLang=en#main-content) - [Refunds](https://support.tazapay.com/amendments-disputes?hsLang=en#refunds) - [Disputes](https://support.tazapay.com/amendments-disputes?hsLang=en#disputes) - [Buyer Protection](https://support.tazapay.com/amendments-disputes?hsLang=en#buyer-protection) - [Seller Protection](https://support.tazapay.com/amendments-disputes?hsLang=en#seller-protection) - [Reconciliation](https://support.tazapay.com/reconciliation?hsLang=en) - [Reports](https://support.tazapay.com/reports?hsLang=en) - [Entities](https://support.tazapay.com/entities?hsLang=en) [![Chill listening crop-3](https://support.tazapay.com/hs-fs/hubfs/Tazapay_logo.png?width=106&height=24&name=Tazapay_logo.png "Chill listening crop-3")](http://tazapay.com) Tazapay Knowledge Base Copyright © 2026, Tazapay Pte Ltd ```json { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "What is an escrow service?", "acceptedAnswer": { "@type": "Answer", "text": "

An escrow service is provided by a trusted third party that serves as an intermediary to hold the buyer’s funds until the seller fulfils their part of the deal. Once their obligations are fulfilled, the escrow service provider verifies that the seller has completed their requirements and the funds are released to the seller.

" } }, { "@type": "Question", "name": "How do I create an escrow on Tazapay?", "acceptedAnswer": { "@type": "Answer", "text": "

Step 1: Login to the Tazapay Dashboard and click "Create Escrow". This can be found on the left navbar or the getting started page.

Step 2: Fill in your details on the first section. The required fields include your role as the buyer or seller, type of transaction, country & currency info, and invoice amount.

Step 3: Fill in your counterparty's details on the second section. The required fields include the contact name & email.

Step 4: Add any other documents you want verified on Tazapay's platform

Step 5: Once all details are correct, you can click "Send to Buyer/Seller" and a link to the escrow will be generated

" } }, { "@type": "Question", "name": "How do I create and send a payment link with Tazapay?", "acceptedAnswer": { "@type": "Answer", "text": "

Step 1: Login to the Tazapay Dashboard and click "Create Payment Links". This can be found on the left navbar or the getting started page.

Step 2: Select your seller and buyer details. If you haven't added a buyer yet, you can do so under "Add buyer detail".

Step 3: Set the transaction currency and amount, add the description and any supporting documents for the transaction.

Step 4: You can now share the payment link to your buyer and start accepting payments.

" } }, { "@type": "Question", "name": "How do I complete my KYB/KYC with Tazapay?", "acceptedAnswer": { "@type": "Answer", "text": "

Before you're able to receive your payments, Tazapay will notify you to complete KYB/KYC through a banner on our dashboard. Clicking on it will lead you to a page where you can upload the necessary documents.

1. Basic Info: This is where you will fill out your personal details on the form. The required information would be the registered email, country of operations, and type of entity (individual, sole proprietor, company, partnership, limited partnership.)

2. Representatives & Owners: Should either of your representative and owners own more than 25% of the entity, you'll need to include their details here (eg: authorised representatives, directors, beneficial owners). If you're an individual or sole proprietor, you may indicate that you have more than 25% ownership of the entity and not have to add any further individuals.

3. Business Details: Add the details of your operating address for your business. If you're an individual, your home address will suffice.

4. Documents: This is where you will upload documentary proof of representative & owner IDs and proof of address.

KYB/KYC will typically take 5-7 business days to complete should there be no further clarification/documentation needed.

" } }, { "@type": "Question", "name": "Why is it important to complete my KYB/KYC?", "acceptedAnswer": { "@type": "Answer", "text":"

As a financial services provider, we strive to protect both buyers and sellers. In order to ensure we are building a safe ecosystem and meet regulatory standards, we need to conduct know your customer (KYC) or know your business (KYB) check on the seller.

Tazapay runs KYB processes in accordance with the global Anti Money Laundering (AML) and Combating the Financing of Terrorism (CFT) efforts. It has, thus, become Tazapay’s responsibility to fully understand the Ultimate Beneficial Ownership (UBO) of the companies that utilize our services.

Please note that successful completion of KYB is a requirement for funds to be released on our platform.

For more information on why KYB/KYC is required, read our blog.

" } }] } ```