A credit card decline occurs if, for a particular reason, a credit card payment cannot be processed and the transaction is declined by the payment gateway, the processor, or the bank issuing the money.
Declines can happen for a variety of reasons that are determined by the cardholder's bank. Each bank has a system that takes into account various signals, such as the cardholder's spending habits, account balance, and card information like the expiration date and CVV/CVC security number.
planBIM shows all the information we receive from the cardholder’s bank and the payment processor (e.g. Stripe) about a decline in the error message, therefore we don’t have specific information as to why a charge was declined.
If the card information (card number, expiration date, billing zip code, CVV/CVC) is correct but there is still trouble when checking out, the cardholder needs to contact their bank.
The cardholder's bank is declining the charge and sending the error. Therefore, only the bank knows why the transaction was declined and how to correct the issue.