When a payment attempt fails, our system logs an error in the gateway, but in most cases, there is little we can do on our end to resolve the issue directly. This article explores the most common reasons for payment failures and guides addressing them effectively.
Understanding Payment Failures: Gateway Rejections vs. Payment Declines
There are two primary types of payment failures:
Gateway Rejections – The transaction is denied due to security and fraud prevention measures. When this happens, any funds associated with the attempted payment (if available on the card) may be temporarily held by the bank for up to seven days.
Payment Declines – The bank refuses to process the payment, typically due to account-related issues such as insufficient funds or security concerns. In this case, no funds are held.
If your payment fails, you can contact our Support Team and they can provide you with the exact response code regarding the payment failure.
In this article, we’ll delve into gateway-rejected transactions and explore the most common reasons for payment failures.
How Payments Are Processed Between WPX and Your Bank
When you initiate a payment, WPX sends a request to your bank along with fraud prevention rules. The bank assesses these rules and either approves or denies the transaction. If approved, the bank provides AVS (Address Verification System) and CVV (Card Verification Value) response codes, which help verify the details of the cardholder.
If the transaction does not fully meet security criteria, WPX may reject the payment and send a void request. However, some banks do not immediately recognize void requests, leading to temporary fund holds
Reasons for gateway rejections:
Mismatched or Incorrect Credit Card Details
Even minor errors in the cardholder’s name or card number can cause payment failures. Always double-check that your details match those registered with your bank.
Address and Postal Code Mismatch
Banks verify the billing address and postal code during transactions. If these do not match their records, the transaction may be declined.
It is very important that both the address and postal code that you enter during the payment corresponds to the ones registered with the card-issuing bank. If there’s a mismatch, it’s unlikely for the bank to release the payment.
Incorrect CVV Code
The CVV is a three-digit security code on the back of your card. Entering an incorrect CVV can result in a payment failure.
Common Reasons for Gateway Rejections
If your payment is declined, the funds you attempted to use, if any, will not be held by the bank.
Reasons for Payment Declines:
Insufficient Funds/Bank Transaction Limitations
Ensure your card has sufficient funds before making a payment.
Some banks impose limits on online transactions, which could also lead to payment failures. For example, there are Credit Card bank issuers that set limitations on the transactions that you can make simultaneously. Purchasing multiple plans/services may result in a rejected transaction. Contact your bank to increase your limit if needed.
Fraudulent Orders
The most common reason for a fraud order is your geolocation. It doesn’t matter if you’re physically located in a different country than the Credit Card was originally issued or you’re using a VPN – it’s very likely to have your order marked as fraud by our system. Other reasons that may trigger our fraudulent protection are:
- The device you’re doing the payment from.
- Your IP address may appear suspicious.
- The email that you’re making the order from.
- The credit/debit card may be marked as stolen.
- Your billing address differs from the one you entered while creating an account with us.
If your payment is marked as fraudulent, we can assist in resolving the issue. You may be asked to verify your identity by providing a photo of your ID/Driver’s license and a photo of the front side of your credit/debit card with at least the first and the last 4 digits, your name, and expiration date readable/visible. Once we receive the requested information, we will remove the fraudulent order and enable the invoice.
Another option would be proceeding with a PayPal payment to bypass the abovementioned procedure.
Expired Card
You may have forgotten to issue a new credit/debit card, as your last one has expired. There’s nothing to worry about! We’ll do our best to help you out by extending your due date till you have your new card ready to use. We can also detect when this specific procedure is being abused, so please avoid overdoing it.
Do not honor
This generic response means that your bank is unwilling to approve the transaction. You will need to contact your bank for further details and resolution.
Conclusion
For any failed transaction, we recommend contacting your bank for more details. If you experience repeated payment failures, consider using PayPal as an alternative payment method.
WPX Support is available 24/7 on tickets (support@wpx.net) and LiveChat (we typically respond within 30 seconds), so please do not hesitate to reach out to us if something goes wrong.