When a customer tries to pay with a card and you get a “card declined” message it can be a little awkward.
There can be a number of reasons why a card gets declined. One reason is insufficient funds, meaning there is not enough money in the account or they are close to their spending limit. Some credit card companies will also reject international charges. Another reason is they may be over the daily spending limit and the card will be declined, even if they have plenty of credit available to cover the purchase. Some reasons are not the fault of the card holder; such as a malfunction in the credit card processing system that causes the line to go down. Malfunctions on either the credit card processing facility or the merchants end can also cause a failed transaction. Hotels sometimes place a hold for the price of the stay in advance, which can also cause unexpected lack of funds. This can be embarrassing for the card holder, whether they were expecting it or not.
Another reason a card could be declined is suspected fraud. Some reasons for your credit card company to suspect fraud would be: unusually large purchases, purchases made far from home, or a large number of charges in a day.
Another message to be aware of is ” Pick Up Card.” This message means the card issuer is alerting you that a transaction is being attempted on a card the issuer would like back. In this case the card holder may have lost the card, it has been stolen or the issuing bank has closed the account. This can be an awkward situation and there is no requirement that you must take the card away. Most merchants just ask for another form of payment when receiving this message.
For any other questions about terminal codes, Point of Sale options and merchant services contact Frontline today: Contact Us