Why was my card declined?

in FAQs

Declines can happen for a number of reasons but most of the time, it’s because of a bank’s overzealous fraud systems. Unfortunately online fraud is a major issue, so banks are highly protective and frequently block legitimate transactions, like paying for BuzzSumo Pro.

It is not our billing system or bank that’s rejecting the charge, we submit the charge to your bank and they have automated systems that determine whether or not to accept the charge.

These systems take various signals into account, such as your location, spending habits, account balance, and card information like the expiration date and CVC. These signals are always changing, so a previously successful card might be declined in the future.

Note: Even if all of the card information is correct, and you previously had a successful payment, or a recent payment elsewhere online, a charge can still be declined by your bank’s overzealous fraud systems.

What can I do about it?

  1. If you have another card, then trying that here is probably the quickest & easiest solution.
  2. Otherwise, try phoning your bank to ask why they blocked the transaction. In our experience they are nearly always able to lift the block so you can retry by entering your card details again at the billing page here shortly afterwards.
  3. If you are still seeing card declined errors and your bank isn’t being very helpful, then we can issue an invoice to pay for a year upfront via bank transfer or Paypal. Unfortunately at this point we cannot accept transfers or Paypal for monthly subscriptions.

We understand using different payment methods or phoning banks isn’t at all ideal for our customers. The last thing we want is to see our customers have difficulty paying. Unfortunately the card decline decision is completely outside of our control since it’s ultimately up to your bank. We genuinely appreciate