My client's card was declined — what can they do?

A decline is decided by your client's bank, not by RateCards or by you. Here's what your client can try, in this order:

• Check the details. Card number, expiry date, CVC, and ZIP or postal code. A wrong ZIP is the most common cause.

• Try Apple Pay or Google Pay, if their device supports it.

• Try a different card.

• Call the bank. Banks often block the first payment to a new business, especially on international cards. A quick call usually clears it, then they can try again.

• Check funds and limits. Debit and prepaid cards can decline for insufficient funds or a daily limit.

💡 If your client says they were charged but the payment failed, they're most likely seeing a temporary $0–$1 verification hold. It isn't a charge, and their bank releases it within a few days.

For recurring clients, see What happens if a recurring payment fails?. For the cards we accept, see What payment methods are accepted?