Understanding and resolving credit purchase failures is important for a seamless experience when using services like ours. If your payment was refused, don’t worry! This can happen for several reasons, and there are straightforward steps to help you resolve the issue.
Common Reasons for Payment Failures
Insufficient funds – Ensure your account has enough balance.
Incorrect details – Verify if your card number, expiry date, or CVV (CVC) is entered correctly.
Bank restrictions – Some banks may block online transactions for security purposes.
Technical issues – Occasionally, temporary issues might occur with your bank or payment provider.
Revocation of Authorization – Transactions may be canceled due to cardholder or bank actions, authorization time limits, or duplicate authorizations.
Payment Declined or Canceled – Indicates issues such as verification problems, insufficient funds, or temporary account holds.
Processing Delays – Payments might take time to reflect in your account, even after appearing successful.
Restricted Card – Occurs when your card imposes limitations, often with codes like "62" or "Invalid card in this country."
Refused By Issuer – Happens when your issuing bank declines the transaction.
3D Authentication Failure – Indicates incomplete authentication during checkout.
Transaction Not Permitted – When banks or networks limit specific types of payments.
Steps to Resolve Payment Issues
Understand and Address Specific Errors: For errors like "Revocation of Auth," contact your bank to understand why it was reversed and check for any restrictions.
Retry the Payment: Wait and attempt to purchase credits again, or use a different payment method.
Use Alternate Methods: If issues persist, try completing your transaction through another platform, such as our website at Buy Credits
Be Patient: Ensure your transaction has enough time to process before concluding it failed.
Confirm the Payment: Double-check with your bank or payment processor to confirm payment status.
Handle Specific Errors: Address "Restricted Card" by removing bank restrictions, and resolve "Transaction Not Permitted" by ensuring your card permits online or international payments.
Avoid 72-hour Blocks: If payment fails multiple times, wait to retry or use alternative payment methods to avoid a temporary block.
By following these steps, you should be able to resolve most payment issues effectively. If the problem persists, consider reaching out to our support team. They will investigate further or escalate to our finance team for complex cases.Additionally, ensure you are aware of region-specific requirements, such as bank transfer-only payments for Nigeria, to avoid unnecessary errors.Keep your bank's contact information accessible and double-check the match between your card and Talk360 account details for smoother transactions.