Why was my card declined?

Declines can happen for a variety of reasons; most of them are generic. Thus, to our regret, we don’t have usually much information as to why a specific charge was declined.

Still, in most cases, it’s the issuing bank that decides on whether a credit card should be declined or not. The correctness of the card number, the expiration date and CVC are the primary factors banks take into account when deciding whether a transaction should be accepted or not.

Every bank has its automated systems that take various signals into account, such as customer’s spending habits, account balance, and the aforementioned card information. Since these signals are constantly changing, even a previously successful card might be declined in future. Even if all of the card details are correct and there were successful payments before, a future charge can still be declined by a bank’s fraud checking systems.

In case of a decline, your card is not charged.

Though we don’t have much information as to why a particular charge is specifically declined, there are several options that can resolve the issue:

1) Try using another web browser, clear the cache and disable any add-ons/extensions/plugins that may block the actions with the card. Details on how to clear the cache can be found here.

2) Make sure that your actions are not blocked by a firewall.

3) Try removing your card and then adding it back to your account. You can do it by following these steps:

- Sign into your Namecheap account;
- Click on Menu on the upper-right side of the page;
- Select the Manage Cards option from the drop-down menu;
- Click on the Add New Card button and fill in the required information;
- Click on the Save Card button.

4) If the direct payment fails, try making a deposit to your Namecheap funds (you may use any Visa, MasterCard or American Express card, PayPal, Bitcoin and Dwolla (for US citizens)) and placing an order using your account balance. Our Knowledgebase article on how to add funds may be of help.

5) Make sure there are no limits on online payments set to your card. If for some reason you cannot make a purchase or deposit the whole amount at once, it is recommended that you try adding funds in smaller increments, e.g., $5.00 at a time. Exceeding the limits for online payments may also be the root cause of the decline.

If none of the listed methods works, please contact our Support Team providing your web browser version and the OS installed on your computer; the screenshots of the error will be of help too. After that, we will be able to investigate the situation further.

Comments

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If you need specific help with your account, feel free to contact our Support Team. Thank you.

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