• Credit/ Debit Card
• Online Banking (FPX)

This situation might occur due to the following reasons:

The payment amount exceeds your spending limit.

One of the most straightforward reasons your credit card could have been declined is because you’ve reached the credit limit on the card that was set by your card issuer.

• The payment is larger than the maximum transaction allowed for your account.
• You’ve made a “suspicious” purchase.

Credit card companies have become astute at recognizing fraudulent purchases made with your card. Often, they’re able to detect foul charge before you can and your bank might mistakenly label authorized charge. The bank will temporarily hold the card when this happened.

• Your debit card has been locked by your bank of issue.

This often happens when you enter an incorrect PIN at an ATM more than a few times.

• Your credit card has been exposed to a potential threat.

Again, credit card companies have become very proficient at picking up on potential identity theft, so if there’s a possibility that your card could have been exposed to a threat, your card might be made temporarily unusable.

• Your credit card has been blocked by a hotel or rental car company.

If neither of the reasons above afflicted your card, think about the places you’ve used your card recently. If you’ve paid for a hotel stay or a rental car with your card, either of those businesses could be the culprit. Hotels and rental car companies frequently issue “holds” on a customer’s credit card when the imprint of the card is initially taken. This is to ensure that the customer will have enough available credit to pay for the car rental or hotel room when the final charges are placed. So, if you’ve recently stayed in a hotel or rented a car, call your credit card company and see if a lingering hold is what afflicting your payment using credit card.