There are several reasons why your order could have been declined:
- Insufficient funds for the transaction
- Card limit already reached
- Invalid card (HeidiPay does not accept prepaid credit cards or virtual cards)
- Selected payment method does not match card details
- Negative payment history
- Reported financial difficulties
- Fraud prevention (for example attempting too many purchases in a short amount of time)
Being declined once doesn’t mean your future purchases will always be declined. Each purchase is a new decision and the outcome not only depends on you but also on conditions set by the merchant.
What increases the chances for approval?
- Make sure that you have enough funds on your account
- Make sure that your credit limit is high enough
- Your total order amount may be too high, removing an item from your basket could help
- Ensure that your card details match the selected payment method
- Ensure your name and billing address match those of your card
- Make sure that you have no previous overdue instalments with HeidiPay
- The longer you have been a responsible shopper with HeidiPay, the better we know you and the more likely your future purchases will be accepted