In some cases, customers will receive an error message saying that their credit card has been declined when trying to make a payment to Cloudbeds in the billing portal.
In most cases, the solutions are simple. Check a few tips:
- Contact your bank/credit card issuer and mention that you have been trying to make payments to us (company name: Digital Arbitrage Inc.) but are being declined. They might be able to lift the blockage;
- Triple-check the card information listed under your account. Any typo (i.e., name on card misspelled) can be a reason for decline;
- If you have another card, try using it too;
- Eventually, you may try linking your credit card information to a PayPal account and then using PayPal as a payment method. However, this might have the same results if the block is at your bank or issuer.
Below, you can find the most common transaction errors along with each reason and the recommended action to solve them. If you are getting different errors, reach out to our support team at support@cloudbeds.com
| Transaction Error | Reason | Recommended Action |
|---|---|---|
| DO NOT HONOR - DECLINED - NOT AUTHORIZED | The issuing bank reports an issue and advises the merchant not to accept this card. | Contact the issuing bank for more details. Once the problem has been addressed and resolved, the issuing bank will confirm with you that they will authorize the transaction, and the merchant may attempt to process this payment again |
| LOW FUNDS | This card account is over the holder’s credit limit or will exceed the limit if this transaction is completed. The issuing bank is, therefore, declining the transaction | Contact your issuing bank to request a credit limit increase. In certain circumstances, you can also make a payment on your account to have more credit available. Once this problem has been addressed and the issuing bank has confirmed credit availability, you can try to process the transaction again. |
| REFERRED | The issuing bank is preventing the authorization of this transaction | The reason for this decline is unclear. Please contact the issuing bank for more details. Once the problem has been addressed and resolved, the issuing bank will confirm with you that they will authorize the transaction |
| CARD_NOT_VALIDATED | You did not finish the 3D secure or it was not validated | In this case, please try again, and if the problem cannot be resolved, please use an alternative card or payment method |
| NOT_PERMITTED_TO_CARDHOLDER | The card used does not allow the type of transaction being attempted for this payment. | Contact the issuing bank to request permission for this transaction. Once the issuing bank has confirmed that they will authorize the transaction, you can process it again. |
| INVALID_CARD_NUMBER | The card number is invalid. | Review the card number and correct it before attempting to process the transaction again. If recurring payments are scheduled, be sure to stop them once the invalid card number is found. Merchants will incur an authorization fee for each attempted transaction with an invalid card number. |
| RESTRICTED | Your card issuer has declined the transaction as the credit card has some restrictions. | In this case, use an alternate credit card or contact the bank |
If the problem cannot be solved, try an alternative payment method. Payment options for your Cloudbeds account
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