PY01001: Payment Declined
What This Means
The payment was declined by the payment processor or card issuer. The transaction could not be completed.
Common Causes
- Insufficient funds — Not enough money in the account
- Card limit exceeded — Transaction exceeds card limits
- Fraud protection — Bank flagged as suspicious
- Incorrect card details — Card number, CVV, or expiry wrong
- Card restrictions — Card not enabled for this type of purchase
How to Fix
1. Verify Card Details
Check that the entered information is correct:
- Card number (all digits)
- Expiration date
- CVV/security code
- Billing address (if required)
2. Try Again
Sometimes temporary issues occur:
- Wait a moment
- Re-enter the card details
- Try the transaction again
3. Use a Different Payment Method
If the card continues to decline:
- Try a different card
- Use cash payment
- Use an alternative payment method
4. Contact the Bank
The cardholder may need to:
- Verify the transaction with their bank
- Lift any fraud blocks
- Confirm the card is active
- Check for spending limits
5. Check for Restrictions
Some cards have restrictions:
- International transactions disabled
- Online/POS transactions blocked
- Certain merchant categories blocked
For Store Owners
If you're seeing frequent declines:
- Verify your merchant account is in good standing
- Check payment gateway configuration
- Review fraud prevention settings
- Consider contacting your payment processor