A credit card or payment card can occassionally be declined during the payment process. In most cases there is no obvious reason for the card being used for payment to be declined.
However the most common reasons for the card being declined include:
Incorrect details entered: 90% of declined orders are due to a difference between the billing name & address entered and the name & address on file with your credit card company. Other details may be entered wrongly too – such as an incorrect security code.
Insufficient funds: Lack of funds in the account or not enough credit available to cover payment.
Expired card, cancelled card or blocked card
Fraud watch: because the payment appears to be out of the ordinary – either due to the time of day or the type or size of payment, the payment may be declined to protect you from what appears to the credit card company to be a fraudulent transaction.
Daily purchase limit exceeded: To protect you from fraudulent charges, almost every credit card has a limit on how much debt can be entered on a card in a single day. If you exceed this amount, the credit card company may block your account from further use and the card may be declined.
Communication Failure: A possible network failure, communication failure or timeout has occurred while processing the credit or payment card.