Why is my card not Authorising?

Troubleshooting Card Authorization Failures

To ensure smooth and seamless transactions, it’s crucial to understand the common reasons behind card authorization failures. Here are the primary factors to consider:

Incorrect or Expired Card Information:

One of the most common causes of authorization failure is providing incorrect or expired card details. Double-check that the card number, expiry date, and CVV/CVC code are entered accurately and match your card.

• Card Number: Ensure the entire 16-digit card number is entered without any spaces or dashes.
• Expiry Date: Verify that the month and year printed on your card are entered correctly. Note that the expiry date is typically embossed on the front of the card.
• CVV/CVC Code: This three- or four-digit security code is usually located on the back of your card. It helps prevent unauthorized transactions.

Card Validity:

Another common reason for authorization failures is using an expired or deactivated card. Check the validity date printed on your card and make sure it has not passed. Additionally, confirm that your card has not been reported lost, stolen, or deactivated.

Other Potential Issues:

In some cases, authorization failures may occur due to other factors, such as:

• Insufficient Funds: Ensure that your account has sufficient funds to cover the transaction amount.
• Transaction Limit: Some cards have daily or monthly transaction limits. Check with your card issuer to determine if you have reached any limits.
• Suspicious Activity: If the transaction is flagged as suspicious by your card issuer, it may be declined. Contact your issuer to resolve this issue.

Steps to Resolve Authorization Failures:

If you encounter a card authorization failure, follow these steps to troubleshoot the issue:

1. Verify the accuracy of your card information.
2. Check the validity of your card.
3. Ensure you have sufficient funds in your account.
4. Contact your card issuer to inquire about transaction limits or suspicious activity.

By addressing these common causes, you can resolve authorization failures and ensure successful transactions.