Below are the most common payment card failure reasons

Rejection Reasons

Error	Description	Solution
Transaction declined by authorization system Access denied to the authentication system	This is a very vague reason that banks provide us, however, we do know that your bank has rejected the transaction	Contact your bank; ask them to approve transactions to Fanvue and "Whitelist" the merchant. (You may need to speak to your banks fraud team as general customer support are not commonly trained in resolving this)
Transaction declined (limit exceeded) Transaction declined (amount exceeds credit)	Not enough available funds were available in your account to successfully make the purchase	Add more funds to your account and try again
Transaction declined (suspecting manipulation) The transaction was declined due to suspected fraud	Your bank/issuer has declined the transaction as there is a suspected fraud on this credit card number	Contact your bank; ask them to approve transactions to Fanvue and "Whitelist" the merchant. (You may need to speak to your banks fraud team as general customer support are not commonly trained in resolving this)
Risk management transaction timeout	You did not enter your 3DSecure password at the authentication page. If no authentication page was visible, please tell our support team	Enter your password with your bank when prompted, complete the transaction within 2 minutes and don't close the payment window
Transaction declined (restricted card) Your request has been declined because the request type is not permitted on the card. Transaction declined (transaction not permitted)	The card you used is restricted to where it can be used. The restricted card is only allowed to be used for certain types of businesses or purchases	Use an alternate credit card or debit card, or contact your bank
AVS Check Failed Implausible address data	The billing details entered do not match what your bank has on file	Check your billing details, or contact your bank
Transaction declined (invalid card)	An invalid card number means that the card is likely closed at the card issuing bank and is effectively an invalid card	Check your payment details, or contact your bank
Bin blacklisted	Due to high associated risk, the branch your card is registered to is blacklisted	Try another card
Transaction declined (account blocked) Transaction declined (card blocked)	You bank account is temporary unable to transact	Try another card or contact your bank
Account Closed Card expired	The account connected to your card is closed/terminated	Try another card or contact your bank
User Authentication Failed Not authenticated because the issuer is rejecting authentication	Your card has not passed authentication	Check your payment details and try again
Please tell cardholder to call the issuer. Do not retry transaction Transaction declined for unknown reason	Unknown failure reason	Contact your bank
Transaction declined (invalid CVV) Transaction declined (wrong expiry date)	Incorrect card details	Check your card details and try again
Transaction declined (additional customer authentication required) Your request has been declined because Strong Customer Authentication is required	Required to complete additional authentication with your bank	Contact your bank to complete authentication
The combination of street1 and street2 must not contain only numbers	Incorrect billing details	Check your billing information and try again
Technical Error in 3D system	Error with banks 3DS system	Try another card, or wait 5 minutes and try again
Invalid payment data. You are not configured for this currency or sub type (country or brand)	Card not accepted	Use Visa or Mastercard for direct card payments
Transaction declined (pick up card) Account or user is blacklisted (card lost) Account or user is blacklisted (card stolen) Transaction declined (card lost) Transaction declined (stolen card)	Card has been reported lost or stolen	Your account has been flagged for manual review

What's 3DS?

3DS stands for 3D-Secure and it's a security protocol used by issuers to authenticate users when making Online Payments. Designed to prevent fraud and unauthorised transactions, 3DS presents the user with a prompt from their issuer requesting verification via either a mobile banking app or an online password request from the issuer (confirming using two-step verification).

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