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Why was my credit card declined?

Published: July 9, 2020

The most common reason is that the billing address doesn’t match the billing address on file with the credit card issuer.
Here is the most common error we received when checking with your credit card provider.
” The transaction has been declined because of an AVS mismatch. The address provided does not match billing address of cardholder.”
This is a fraud filter set up to try to prevent someone from using a stolen card.  The thief would need to know the billing address associated with the card and the majority of the time they do no know that..
Often we get, “but it worked on website XYZ”.
Then you probably should reconsider doing business with XYZ.  They would allow someone to steal your card and use it without requiring them to verify basic information that the actual cardholder should know.  They do not have your best interest in mind.
Transaction ID Amount Action Status Reason Date Gateway Code Gateway Response
6244481645 $2628.82 Sale Declined 7/7/2020 4:22 PM 27 The transaction has been declined because of an AVS mismatch. The address provided does not match billing address of cardholder.

The 2nd most common reason is CVV aka security code mismatch.  And we’ve all experienced eye strain trying to read the numbers that have rubber off.

The 3rd most common reason is a flat out decline.  Sometimes, if this is the 1st time doing business with us, they may block it as unusual activity.  A quick call to the card issuer fixes the problem.

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