Payment Issues and Solutions

Payment Issues and Solutions

Why did my credit card payment fail?

When customers use a credit card for transactions, issuing banks carry out a series of systematic operations to ensure the transaction is safe and to protect the customer’s interests. If the issuing bank detects that the transaction cannot proceed, it is usually because some information cannot be verified.

a. Incorrect billing address zip code Most Common

Issuing banks often use zip code verification to confirm the cardholder's identity, which accounts for 75% of credit card payment failures.

Solutions:
  • Double-check and enter the correct billing zip code.
  • If you’ve forgotten the code, try using another valid card.

b. Payment failure due to risk monitoring

Banks verify the IP address and user agent to determine if the transaction is authentic and initiated by the actual owner.

Solutions:
  • Contact your issuing bank to authorize the transaction.
  • Use another frequently used credit card to complete the purchase.

Still having trouble? Feel free to communicate with our Megelin customer service representatives. We are here to serve you diligently.