If your credit card payment was declined while trying to place an order on the Fair Skin Experts website, there could be several reasons behind it. Our payment processors, PayPal (USD and PHP) and PayMongo (PHP), are designed to handle secure transactions, but issues may arise due to bank restrictions, incorrect card details, or compatibility problems. Here’s a breakdown of the most common reasons for a declined transaction and how to resolve them.
1. Incorrect Card Information
Errors in the card details entered during checkout can lead to a declined transaction.
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Common Errors:
- Incorrect card number, expiration date, or CVV code.
- Billing address mismatch with the one on file with your card issuer.
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What to Do:
- Double-check all the details before resubmitting.
- Ensure the billing address matches the one linked to your card.
2. Insufficient Funds or Credit Limit
If your account doesn’t have sufficient funds or you’ve reached your credit limit, the payment may be declined.
- How to Check:
- Log in to your online banking or credit card account to confirm your available balance.
- Contact your bank for an update on your credit limit.
3. Bank-Specific Restrictions
Some banks impose restrictions on international or online transactions, which can lead to declined payments.
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PayMongo-Specific Note for Foreign Cards:
- Foreign cards may face compatibility issues with PayMongo, as it processes payments in PHP. If your card issuer does not support automatic currency conversion or flags transactions with Philippine-based processors, the payment may fail.
- Banks may also restrict international transactions by default or require additional approval.
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What to Do:
- Contact your bank to enable international transactions.
- If using PayMongo and encountering issues, switch to PayPal, which is globally supported and handles currency conversions seamlessly.
4. Fraud Prevention Flags
Credit card issuers often block transactions that appear unusual to protect against fraud.
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Possible Triggers:
- Large or unusual purchase amounts.
- Multiple failed attempts to process a transaction.
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What to Do:
- Call your bank to confirm your identity and approve the transaction.
- Try again after resolving the issue with your bank.
5. Expired or Inactive Card
If your card is expired or has been deactivated by your bank, it will be declined.
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How to Verify:
- Check the expiration date on your card.
- Ensure your account is active and in good standing.
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What to Do:
- Use another card if yours has expired.
- Contact your bank to reactivate your card, if applicable.
6. PayPal and PayMongo-Specific Issues
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PayPal: Supports payments in USD and PHP. It works seamlessly for international customers, as it supports multiple currencies and has built-in currency conversion.
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PayMongo: Processes payments in PHP only and may encounter issues with foreign-issued cards.
- Potential Issues with PayMongo:
- Some foreign cards may not support PHP transactions or face restrictions from the issuing bank.
- 3D Secure authentication (e.g., OTP or SMS confirmation) might fail if the issuing bank doesn’t support this feature.
- Potential Issues with PayMongo:
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What to Do:
- If using PayMongo and encountering issues:
- Switch to PayPal for a smoother transaction.
- Contact your card issuer to enable international transactions and PHP currency support.
- Use an alternative payment method, such as a bank transfer, if issues persist.
- If using PayMongo and encountering issues:
7. Technical or Payment Processor Errors
Sometimes, the payment gateway or processor may experience temporary technical issues.
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What Happens:
- Connectivity issues between your bank and the payment processor.
- Temporary downtime on the payment platform.
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What to Do:
- Wait a few minutes and try again.
- Use a different payment method if the issue persists.
8. Using an Unsupported Card
While we accept most major credit and debit cards (Visa, Mastercard, etc.), some cards may not work with our processors.
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Examples:
- Prepaid or gift cards.
- Cards from certain regional banks that don’t support international transactions.
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What to Do:
- Use a different card or PayPal for payment.
- Contact us for guidance on alternative payment methods.
How Fair Skin Experts Can Assist
If you’ve ruled out all the above issues and your payment is still being declined, our team is here to help.
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What We Can Do:
- Check for technical issues with our payment processors.
- Guide you on using alternative payment methods like bank transfers or remittance services.
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Contact Us:
- Email our support team with details of the error message and the payment method you used.
Next Steps for International Customers
- If using PayMongo: Ensure your card supports PHP transactions and contact your bank to enable international payments.
- If using PayPal: Verify your PayPal account and card details.
- Alternative Payment Methods: Explore other options like bank transfers or remittance services for seamless transactions.
For further assistance, feel free to reach out to our support team. We’re committed to helping you complete your order without any hassle!
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