![]() These systems analyze various signals, such as your customer’s spending habits, account balance, and card information such as the expiration date, address information and CVC. When a charge is submitted to the issuer of your customer’s card, they have automated systems and models that determine whether or not to authorize it. ![]() This parameter includes the type of payment failure, along with additional information about the reason for it. The reason for a payment’s failure is provided within the payment’s details in the Dashboard and through the API as part of the Charge object’s outcome. There are three possible reasons why a credit card payment might fail:Įach type of failure is handled differently. We continuously work to reduce decline rates for cards processed on Stripe with machine learning and experimentation, along with issuer and network outreach to optimize acceptance rates for all Stripe businesses-often without requiring any changes to your integration. Many payments fail for good reason and do so to minimize the possibility of a fraudulent payment. ![]() Payments can fail for a variety of reasons and it’s frustrating when they result in the loss of legitimate business. ![]()
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