When donating to a campaign and you receive an error message like the example shown below, it may happen for a number of different reasons. The most common cause of credit card authorizations that fail on a checkout is a general decline. When this happens, the error message may appear to look like this:
.... “error”: “processing_error”, “error_description”: “Unable to charge payment method: general decline”, “error_code”: 2004 ....
Usually, this means that the issuing bank declined the transaction. The most common reasons are:
- Address (AVS) or ZIP mismatch
- Invalid CVV/Expiration date
- Transaction timing out
- Insufficient funds
- Restrictions on the card itself
- Fraud or risk decision
In the event of a general decline, we recommend that the card holder reach out to their issuing bank to see what the issue is. The donor can use a different credit card to make a donation.
For questions or immediate help, you can contact us either through our live chat link or send us an email: email@example.com.
See More: What is a General Decline