Payment Issues and Solutions

1. Why Was My Credit Card Payment Declined?

When you use a credit card for a transaction, your issuing bank performs multiple security checks to ensure the payment is secure and to safeguard your account. If the bank detects any issues, they may block the transaction. Below are some common reasons for payment failures and how to resolve them:

A. Incorrect Billing Address ZIP Code (Most Common Cause – 75% of Failures)

To prevent fraud, banks often verify the ZIP code associated with your credit card. If the entered ZIP code doesn’t match the bank’s records, the transaction may be declined.

How to Fix:

1. Double-check and enter the correct ZIP code linked to your card.
2. If you’re unsure of the correct ZIP code, try using a different card.

B. Payment Blocked Due to Risk Controls

Banks analyze factors like your IP address and device information to detect suspicious activity. If something seems unusual, they may decline the payment for security reasons.

How to Fix:

1. Contact your bank to confirm why the payment was blocked.
2. Try completing the transaction with a different card that you frequently use.

These are the most frequent causes of credit card payment failures. If you need further assistance, our Mivani support team is happy to help!