![]() ![]() The influence of other data that you collect, such as the full billing address, varies by card brand and country. For instance, Checkout can provide feedback to the customer if the card they’re attempting to use is declined, allowing them to try again or use an alternative payment method.Ĭard issuers’ suspicions of fraudulent activity are more challenging to manage, but having customers provide the CVC and postal code when checking out can significantly decrease the number of declines you’re experiencing. Seller_message : "The bank returned the decline code `expired_card`." ,Ĭard issuer declines arising from incorrect card information (for example, incorrect card number or expiration date) are best handled by guiding your customer to correct the error or even using another card or payment method. The card issuer may provide one of these more specific reasons to Stripe through the use of a decline code. In some cases, card issuers also provide helpful explanations, such as the card number or expiration date being incorrect, or that the customer does not have enough funds available to make the payment. If your customer’s card issuer declines a payment, Stripe shares with you as much information explaining the decline as we receive, both within the Dashboard and through the API. ![]() These systems analyze various signals, such as your customer’s spending habits, account balance, and card information such as the expiration date, address information and CVC. When a charge is submitted to the issuer of your customer’s card, they have automated systems and models that determine whether or not to authorize it. This parameter includes the type of payment failure, along with additional information about the reason for it. The reason for a payment’s failure is provided within the payment’s details in the Dashboard and through the API as part of the Charge object’s outcome. There are three possible reasons why a credit card payment might fail:Įach type of failure is handled differently. We continuously work to reduce decline rates for cards processed on Stripe with machine learning and experimentation, along with issuer and network outreach to optimize acceptance rates for all Stripe businesses-often without requiring any changes to your integration. Many payments fail for good reason and do so to minimize the possibility of a fraudulent payment. Payments can fail for a variety of reasons and it’s frustrating when they result in the loss of legitimate business. ![]()
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