TRANSACTION DECLINED (BY YOUR BANK)

Hello, it seems that your transaction attempt was declined by your bank. No worries, this is a rather frequent occurrence and can be resolved easily in most of the cases.

Why was my card declined?

Unfortunately when a bank or card issuer declines a transaction, it often doesn’t tell the payment processing company why. You will need to contact your bank or card issuer to find out the specific reason your card was declined, since they are the one declining the transaction, and not us.

Note that most of the time the declines are related to your bank flagging the payment attempt as an unusual activity. This particular decline can be resolved in under a minute with a simple call to the number on the back of your credit card to confirm your payment attempt to CCBill (https://ccbill.com). We’ve also published a detailed resolution guide here: https://cumshoteditor.com/card-declined-resolution-guide.

Here are additional reasons to why your transaction may have been declined by your bank:

There are not enough funds available to process the transaction.

If you recently deposited funds to your debit or prepaid card, sometimes those funds are not available right away. Likewise, if you recently made a payment to your credit card, your payment may not have been applied to your account yet. Also, if another merchant has placed a “hold” on your account, this may unexpectedly reduce your available balance. Contact your bank or card issuer, or log into your account on their website to check your balance.

Prepaid cards and gift cards (i.e. any cards that are temporary and without your personal information) may or may not be accepted.

Some prepaid card and gift card issuers allow you to register your card, typically through their website. In some cases, registering your card and entering your name and mailing address will enable the card to work. Information on how to register the card is usually listed on the back of the card or the packaging the card came in.

You’re trying to use your card out of your registered region or country.

All of the banks monitor the IP address that is authorizing a given transaction. So when they see an unusual IP address they may block the transaction as a standard fraud protection method.

The card is issued for “domestic use only” and/or does not allow international transactions.

Cards that are marked for “domestic use only” usually won’t work because those types of cards are typically not connected to the international payment network and only work locally. Some banks offer two cards; one that can only be used locally, and one that works worldwide. Ask your bank or card issuer if your card can be used internationally for internet transactions.

Your card issuer or bank has disallowed internet transactions.

Although not typically seen on cards issued in the U.S., some foreign card issuers and banks disable internet transactions. Contact your bank or card issuer to make sure you can use your card for internet purchases. Sometimes all you need to do is request that it be enabled. Other banks issue more than one card with different features and may ask you to upgrade to a different card type.

Your bank or the payment processing company’s network may be experiencing technical difficulties or be down for maintenance.

This does not happen very often, but it does happen from time to time, often when there are large numbers of transactions flowing through the system, such as during the holidays. If the payment processing company cannot reach your bank to approve the transaction, they will typically decline the transaction in the bank’s place. In this case, the only thing to do is try again later when the system is back up.

Final Thoughts

In any case, the best course of action would be to just briefly call the number on the back of your card and ask them why are they declining this transaction. They will be able see the attempt to pay $37 to CCBill.com, our card processor (shown as “CCBill.com *Alpha Essent” in your card statement) and will be happy to assist you further.

There’s also no need to worry about the nature of your purchase when discussing your transaction attempt. Cumshot Editor Pro or our site won’t be mentioned anywhere in your card statement, as we take confidentiality in these transactions very seriously.