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Why Was My Transaction Declined ? Common Reasons

Updated

This article provides a step-by-step troubleshooting checklist for declined transactions. It covers common causes — such as insufficient funds, incorrect card details, and policy restrictions — and what you can do to fix each issue.

 

A declined payment can be frustrating — but most issues are simple to fix.


Use this checklist to find out why your transaction didn’t go through and how to resolve it.

 

 

🧾 Troubleshooting Checklist

 

1. Insufficient Funds

✅ What it means: Your Gnosis Card Safe does not have enough EURe, GBPe, or USDCe to complete the payment

What to do:

 

2. Incorrect Card Details (Online Payments)

✅ What it means: Card number, expiry, or CVC was entered incorrectly

What to do:

  • Re-enter your card information carefully

  • Make sure your billing address matches your Gnosis Pay profile

 

3. Daily Spending Limit Exceeded

✅ What it means: The transaction amount is higher than your card’s daily or per-transaction limit

What to do:

 

4. Security Flag Triggered

✅ What it means: Our fraud prevention system blocked a transaction due to unusual behaviour (e.g. location, frequency, merchant type)

What to do:

  • Check for security alerts in the Gnosis Pay app

  • If you suspect fraud, freeze your card immediately

  • Contact support

 

5. Restricted Merchant or Country

✅ What it means: Some merchant categories (e.g. gambling, automated fuel) or certain countries are blocked for compliance

What to do:

 

6. Merchant Payment Terminal Error

✅ What it means: The issue may be on the merchant’s side (e.g. hardware or processing issue)

What to do:

  • Ask the merchant to try again

  • Try a different terminal if available

 

Still Having Trouble?

If you’ve checked everything above and the problem persists:

➡️ Contact our support team
Please include:

  • Your wallet address

  • A short description of the issue

  • Time and location of the declined transaction

 

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