Authorization can fail on a checkout or credit card for a number of reasons, but the most common cause is a general decline. When this happens, we return the following error:
{
“error”: “processing_error”, “error_description”: “Unable to charge payment method: general decline”, “error_code”: 2004
}
Usually, this means that the issuing bank declined the transaction but didn’t tell us why. The most common reasons are:
- Address (AVS) or ZIP mismatch
- Invalid CVV/Expiration date
- Transaction timing out
- Insufficient funds
- Restrictions on the card itself
- Fraud or risk decision
In the event of a general decline, we recommend having the payer reach out to their issuing bank to verify their information and try the payment again.
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