Paypal and Stripe are our two payment providers. These are the companies that perform all transaction processing. Our suggestion is that one card does not work, try a different card or the alternative payment provider. All payments are automated recurring subscriptions - payment by cash or cheque is not accepted.
PAYPAL offers the following guidance:
STRIPE offers the following guidance:
Payments can fail for a variety of reasons and it’s frustrating. Certain failures are actually preventative measures–working to minimize the possibility of a fraudulent payment that otherwise may have resulted in a dispute.
- BANK-DECLINED PAYMENTS
When a charge is submitted to the bank or card issuer of your card, bank's have automated systems that determine whether or not to authorize it. These systems take various signals into account, such as your customer’s spending habits, account balance, and card information like the expiration date and CVC. Unfortunately, most declines are categorized as “generic” so it’s not always possible to know exactly why a payment was declined. If all of the card information seems correct, it is best to have your customer contact their bank and ask for more information. For privacy and security, banks and card issuers can only discuss the specifics of a declined payment with their cardholders–they cannot discuss this with the merchant.
- BLOCKED PAYMENTS
Stripe’s automated fraud prevention system blocks any payments that we identify as being high-risk. The system will block payments if the CVC or postal code doesn't match what your bank has on file.
A blocked payment is initially authorized by the bank and could be processed successfully. Instead, Stripe does not charge the card as it’s likely the payment is fraudulent and could result in a dispute. Depending on the type of card being used, some customers may see the bank’s authorization for the payment amount on their statement. This amount has not been charged and no funds have been taken. The authorization is removed from their statement by the bank within a few days.