Why Is My Card on File Not Working?
If your saved payment method isn’t working, don’t worry — this is usually caused by one of the common issues below.
Your Card Has Expired or Been Replaced
If your bank issued a new card or your old one expired, the saved details may no longer be valid.
What to do:
Check the expiration date on your card.
Remove the saved card from your account.
Add your new card details.
Make sure your new card is activated.
Try the payment again.
Insufficient Funds or Credit Limit Reached
Your card may be declined if:
There aren’t enough funds available.
Your credit card has reached its limit.
Pending transactions are holding funds.
What to do:
Check your available balance.
Review pending transactions.
Try another payment method if needed.
Retry the payment once funds are available.
Your Bank Blocked the Transaction
Banks sometimes block transactions for security reasons, especially if:
The purchase looks unusual.
It’s from a new merchant.
It’s an international or recurring charge.
What to do:
Contact your bank and confirm the transaction.
Ask them to approve or whitelist the charge.
Retry the payment after confirmation.
Incorrect Billing Details
Your payment may fail if:
The security code (CVV) is incorrect.
The billing address or ZIP/postal code doesn’t match bank records.
What to do:
Re-enter your card details manually.
Ensure your billing address matches your bank statement exactly.
Avoid autofill errors.
Try again.
Online or Recurring Payments Are Disabled
Some cards require online or recurring payments to be enabled.
What to do:
Log into your banking app.
Enable:
Online payments
International payments (if applicable)
Recurring payments
Retry the transaction.
Still Having Trouble?
If your card continues to be declined:
Contact your bank for the exact reason.
Try using a different payment method.
Reach out to our support team for assistance.