Common Decline Reasons
Insufficient balance: Card was swiped more than the card balance (it should be swiped for the available balance or less)
Activation: Card was not activated
Incorrect PIN: The incorrect PIN was used for point of sale transactions (process without a PIN as credit)
Recurring Payments: Card was used for recurring payments
Gas Stations: Used at a gas station pump - you must go inside the station to use the card.
Gratuity: Some merchants (restaurants, hotels, spas, cruise lines, etc.) may seek an authorization above the purchase amount to cover gratuity, incidentals or other expenses. This could be 20% of the total bill. If your card balance is less than the authorization amount see Using Multiple forms of payment.
Using multiple forms of payments
Use this card last so the amount swiped is the same or less than the card balance.