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Razorpay Transaction declined with error code CARD_DECLINED

The card issuer has declined the transaction.

Understanding Razorpay and Its Purpose

Razorpay is a leading payment gateway solution designed to facilitate seamless online transactions. It provides businesses with the tools to accept, process, and disburse payments with ease. Razorpay supports a wide range of payment methods, including credit and debit cards, net banking, UPI, and popular wallets, making it a versatile choice for businesses of all sizes.

Identifying the Symptom: CARD_DECLINED Error

When using Razorpay, one common issue that merchants may encounter is the CARD_DECLINED error. This error typically occurs during the checkout process when a customer's card transaction is not approved by the card issuer. As a result, the payment is not processed, and the transaction is halted.

Exploring the CARD_DECLINED Issue

The CARD_DECLINED error is a response from the card issuer indicating that the transaction cannot be completed. This can happen for various reasons, such as insufficient funds, incorrect card details, or the card being blocked for online transactions. Understanding the specific reason for the decline is crucial for resolving the issue effectively.

Common Causes of CARD_DECLINED

  • Insufficient funds in the customer's account.
  • Incorrect card details entered during checkout.
  • Card issuer has blocked the card for online transactions.
  • Card has expired or is not activated for international transactions.

Steps to Resolve the CARD_DECLINED Issue

To address the CARD_DECLINED error, follow these actionable steps:

1. Verify Card Details

Ensure that the customer has entered the correct card details, including the card number, expiry date, and CVV. Even a small typo can lead to a transaction decline.

2. Check for Sufficient Funds

Ask the customer to verify if they have sufficient funds in their account to cover the transaction amount. If not, they may need to use a different card or payment method.

3. Contact the Card Issuer

If the card details and funds are in order, advise the customer to contact their card issuer. The issuer can provide specific reasons for the decline and may lift any restrictions on the card.

4. Try an Alternative Payment Method

If the issue persists, suggest that the customer try using an alternative payment method, such as net banking, UPI, or a different card. Razorpay supports multiple payment options, ensuring flexibility for customers.

Additional Resources

For more information on handling payment errors with Razorpay, visit the Razorpay Documentation. You can also explore the Razorpay Support page for further assistance.

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