The most common reasons for declines are:
- Card Declined
- Limit Exceeded
- Insufficient Funds
- Card Expired
Card Declined or Limit Exceed
It is recommended for the customer to contact the number on the back of the credit card to speak with the bank about these two responses. Often times, the bank can provide more insight into the declination and allow payment after additional authorization or increasing the customer's limits.
You may attempt to recharge the card at a later date as funds may become available, or ask for the customer to provide an alternate payment method.
Ask the customer if they received a new card in the mail with an updated expiration date or if they need to provide new card information entirely.