A decline transpires when a credit or debit card transaction fails to secure approval from the card issuer. The reasons for a decline are multifaceted and can encompass a wide array of issues, including, but not limited to, the following:

  • insufficient funds in the customer’s account
  • an expired card
  • suspected fraudulent activity,
  • unusual spending patterns

In situations when a transaction is declined, the merchant is obliged to request an alternative form of payment from the customer. It’s essential for businesses to handle such instances delicately to maintain customer relations while safeguarding their financial interests.