Declines

learn about payment declines and how to lower your decline rate payments can fail for a variety of reasons, including some that help prevent fraudulent transactions stripe works to reduce decline rates across all supported payment methods we work with issuers and networks to improve acceptance rates, often without affecting your integration there are three reasons why a payment might fail issuer declines blocked payments invalid api calls you need to handle each type of payment failure differently for every failure, you can use the dashboard or api to review a payment’s details when using the api, look at the charge object’s outcome this attribute covers the payment failure type and provides information about its cause stripe handles non card payment method declines similarly to card declines stripe sends you a response code that includes information about the decline, for example, if it’s due to insufficient funds, a lost or stolen card, or another reason issuer declines when your customer’s card issuer receives a charge, their automated systems and models decide whether to authorize it these tools analyze signals such as spending habits, account balance, and card data (expiration date, address information, and cvc) if the card issuer declines a payment, stripe shares with you all of the decline information we receive this information is available in the dashboard and through the api when issuers provide specific explanations, such as an incorrect card number or low funds, these explanations return to stripe through decline codes blocked payments stripe radar blocks high risk payments, such as those with mismatched cvc or postal code values this automated fraud prevention product evaluates each payment, without requiring any action from you when stripe blocks a payment, it obtains initial authorization from the card issuer but refrains from charging the card this precaution helps prevent potential fraudulent payments that might lead to disputes for some card types, customers might see the card issuer’s authorization for the payment amount on their statement however, stripe hasn’t charged this amount or withdrawn funds the card issuer typically removes this authorization from the customer’s statement within a few days if you recognize a blocked payment as legitimate, you can lift the block by locating the payment in the dashboard and clicking add to allow list this action doesn’t retry the payment but prevents stripe radar from blocking future payment attempts using the same card or email address