Why has my card payment failed or been declined?

We have no control over our users’ card issuers and there are a number of reasons why a payment might fail or be declined.  These include incorrect information being provided by the user (for example, typing error in expiry date or address information does not match the card issuer’s records) or outdated card information.  Card issuers have also put in place more safeguards against payment fraud including customer authentication requiring you to provide additional security information for the transaction to continue (for example, confirming the payment via an app or using a one-time pass code (OTP) by text or email to authorise a transaction).