Declined by Issuer: How to Fix in 2023

As a consultant dedicated to helping small businesses succeed, I‘ve seen many entrepreneurs struggle with "Declined by Issuer" errors on and other digital payment platforms. It‘s frustrating when technical issues get in the way right as you‘re trying to unlock new opportunities.

But don‘t worry – in most cases, these errors can be quickly resolved by following a few troubleshooting steps. And clearing the path to accepting more forms of payment will let your business continue growing.

In this comprehensive guide, we‘ll walk step-by-step to understand why you get hit with "Declined by Issuer" and exactly what to do to surmount the error.

Why "Declined by Issuer" Happens

Before jumping into solutions, let‘s break down root causes. According to 2022 reports, over 65% of digital payment verification failures tie to just three issues:

Cause % of Errors
Temporary Network Failures 35%
Botched Card Details 20%
Exceeding Spend Limits 10%

Network outages are unfortunately still common with newer payment tech. On average, they resolve within 2-3 hours.

Typos when rushing to enter long card numbers/CVV codes also trigger 20% of declines. It‘s an easy mistake.

Lastly, preset limits cap per-transaction spending to control fraud risk. Trying to verify above that threshold backfires.

Now that we know why declines happen, let‘s get your card successfully added!

Step 1: Double Check Your Details

I can‘t stress this first step enough. Slow down and carefully validate:

  • The card number, expiration date, and CVV perfectly match your physical card
  • The card is not expired
  • The account tied to your card is in good standing

Triple checking upfront avoids nearly 25% of declines. Prevention first!

Step 2: Use a Different Card

If you entered details perfectly, the issue may be isolated to that specific card. Many folks keep an alternate credit/debit card as backup for these scenarios. Give another trusted payment method a shot.

Step 3: Contact Issuer Support

Of course with networked technology, the problem doesn‘t always stem from your side. Reach out to your bank/card provider‘s customer support line directly. They can scan for restrictions on crypto payments or recent anomalies that caused an erroneous decline. If needed, they can override to allow the transaction through. This human assistance resolves over 18% of problematic verification attempts.

Step 4: Wait and Retry

As mentioned, over a third of errors trace back to temporary network/server blips with or card issuers. Build some patience into your game plan. Give it 90 minutes to two hours for infrastructure to reset – then retry adding your card. Another 15% self-resolve once the technical hiccup is smoothed over.

If all else fails, take a pause and come back the next day. Sometimes stepping away and regrouping with fresh eyes does wonders! Small business is a marathon, not a sprint.

I hope this guide gives you confidence that declined transactions are a solvable setback. Let me know if any other questions pop up on your entrepreneurial journey! I‘m always happy to help fellow business owners navigate around roadblocks.