Payment Failure Guideline
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SHINMA Body Jewelry supports various payment methods, including credit cards, debit cards, and digital wallets. Such as American Express, Apple Pay, Diners Club, Discover, JCB, Mastercard, Visa, PayPal, and Venmo. You can choose the payment method you are most familiar with to complete your order.
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We use the Stripe/Payoneer Gateway to process credit and debit card payments. Sometimes, we receive emails from clients or customers reporting difficulties in completing their transactions due to checkout issues. Here, we have gathered the reasons for payment declines and provided solutions to resolve them.
There are two possible reasons why a credit card payment might fail:
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Payments Declined by Card Issuers
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Blocked Payments
Payments Declined by Card Issuers:
When a charge is submitted to your card issuer, automated systems and models are used to determine whether to authorize it. These systems analyze various signals, such as your spending habits, account balance, and card information (including the expiration date, address details, and CVC). If any of this information is incorrect, the payment may be declined.
Blocked Payments:
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Stripe's automated fraud prevention toolset, Radar, identifies and blocks payments that are deemed high-risk. For instance, if Radar detects that the CVC does not match the information on file with your card issuer, the payment will be blocked.
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You may receive failure information in the form of error codes or descriptions. Here, we have compiled all possible reasons for payment declines along with their solutions, hoping to assist you.
Payment Error Codes Solution
| Decline Codes | Description You Received | How To Do Next |
|---|---|---|
| insufficient funds | Your card has insufficient funds | You need to change another card for payment. |
| do_not_honor | The card has been declined for an unknown reason. | You need to contact the card issuer for more information. |
| card_not_supported | The card does not support this type of purchase. | You need to contact the card issuer to make sure the card can be used to make this type of purchase. |
| authenticaction_required | The card was declined as the transaction requires authentication. | You should try again and authenticate the card when prompted during the transaction. |
| approve_with_id | The payment cannot be authorized. | The payment should be attempted again. If it still cannot be processed, you need to contact the card issuer. |
| call_issuer | The card has been declined for an unknown reason. | You need to contact the card issuer for more information. |
| card_velocity_exceeded | The customer has exceeded the balance or credit limit available on their card. | You should contact the card issuer for more information. |
| currency_not_supported | The card does not support the specified currency. | You need to check with the issuer whether the card can be used for the type of currency specified. |
| do_not_try_again | The card has been declined for an unknown reason. | You should contact the card issuer for more information. |
| duplicate_transaction | A transaction with identical amount and credit card information was submitted very recently. | Check to see if a recent payment already exists. |
| expired_card | The card has expired. | The customer should use another card. |
| fraudulent | The payment has been declined as Stripe suspects it is high risk. | You should contact the card issuer for more information. |
| generic_decline | The card has been declined for an unknown reason. | You need to contact the card issuer for more information. |
| incorrect_number | The card number is incorrect. | You should try again using the correct card number. |
| incorrect_cvc invalid_cvc |
The CVC number is incorrect. | You should try again using the correct CVC. |
| incorrect_pin invalid_pin |
The PIN entered is incorrect. This decline code only applies to payments made with a card reader. | You should try again using the correct PIN. |
| incorrect_zip | The ZIP/postal code is incorrect. | You should try again using the correct billing ZIP/postal code. |
| insufficient_funds | The card has insufficient funds to complete the purchase. | You should use an alternative payment method. |
| invalid_account | The card, or account the card is connected to, is invalid. | You need to contact the card issuer to check that the card is working correctly. |
| invalid_expiry_year | The expiration year invalid. | You should try again using the correct expiration date. |
| invalid_number | The card number is incorrect. | You should try again using the correct card number. |
| issuer_not_available | The card issuer could not be reached, so the payment could not be authorized. | The payment should be attempted again. If it still cannot be processed, you need to contact the card issuer. |
| new_account_information_available | The card, or account the card is connected to, is invalid. | You need to contact the card issuer for more information. |
| no_action_taken | The card has been declined for an unknown reason. | You should contact the card issuer for more information. |
| not_permitted | The payment is not permitted. | You need to contact the card issuer for more information. |
| pickup_card restricted_card stolen_card |
The card cannot be used to make this payment (it is possible it has been reported lost or stolen). | The customer needs to contact their card issuer for more information. |
| pin_try_exceeded | The allowable number of PIN tries has been exceeded | You must use another card or method of payment. |
| processing_error | An error occurred while processing the card | The payment should be attempted again. If it still cannot be processed, try again later. |
| reenter_transaction | The payment could not be processed by the issuer for an unknown reason. | The payment should be attempted again. If it still cannot be processed, you need to contact their card issuer. |
| revocation_of_authorization | The card has been declined for an unknown reason. | You should contact the card issuer for more information. |
| security_violation | The card has been declined for an unknown reason. | You need to contact the card issuer for more information. |
| service_not_allowed | The card has been declined for an unknown reason. | You should contact the card issuer for more information. |
| stop_payment_order | The card has been declined for an unknown reason. | You should contact the card issuer for more information. |
| transaction_not_allowed | The card has been declined for an unknown reason. | You need to contact the card issuer for more information. |
| try_again_later | The card has been declined for an unknown reason. | Attempt the payment again. If subsequent payments are declined, you should contact the card issuer for more information. |
| withdrawal_count_limit_exceeded | You have exceeded the balance or credit limit available on their card. | You should use an alternative payment method. |
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The reasons mentioned above cover most of the potential causes of failed payments. Please feel free to contact us for assistance with any issues, not only related to payments but also any other inquiries. We are always here to serve you. (Email: support@shinmabodyjewelry.com)