Infinity Payment Systems

5 Reasons Why Credit Cards May Be Declined

5 Reasons Why Credit Cards May Be Declined

Most customers nowadays pay using credit cards. The use of credit cards is one of the convenient ways to pay for a certain purchase. While it is convenient, there are situations where this type of transaction processing in North Carolina can be a pain.

For instance, why is a customer’s credit card declined?

There are many reasons why a customer’s credit card may be declined. These include the following:

  1. Reaching the credit limit
    This is the most common reason why the card may get declined. Banks typically set a limit for how much the holder can spend depending on a variety of factors. In most cases, the banks will notify the customer via email or text if they are already nearing their credit limit.
  2. Typo error
    Credit cards have distinct PIN numbers which serve as authorization for using them. A card may be declined if the customer inputs a different PIN number than what is set for the card. Even one wrong digit can already cause a decline. The customer has to be careful as most banks also set a limit on how many tries they can get to input their PIN.
  3. Suspicious purchase
    Checking on the purchasing pattern of a customer can be a great factor in determining the cash management solutions to employ. When a customer makes a purchase that is out of the ordinary, it might be a suspicious matter in the eyes of the bank. As a result, the card will get blocked. To avoid this situation, the customer needs to inform the bank about the purchase.
  4. Flagged for fraud
    When the bank has determined that the customer’s card has been used for fraudulent activities, it can be blocked or even closed permanently. It is important for the customer to know the status of their card and take the necessary steps to fix the account.
  5. Expired card
    Credit cards can expire, too. Many customers fail to familiarize themselves with their cards’ expiration dates. They should be aware of these dates to avoid getting declined when making a purchase.

Infinity Payment Systems helps businesses and merchants get paid for the services or products they offer. We provide payment processing solutions in Wilmington, North Carolina to assist in their operations. Call us today!

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  • I was previously with a national card processor. I thought I had received the absolute best rate and terms. That is until I met Kyle and his wife in my store one day. He was not pushy or high-pressured but said he would be more than happy to review my plan that I had just signed on to. Not only did he beat my 'best' rate from the national company, he offered me personal, local customer service you just can't get anywhere else. Although this is professional company, I truly was made to feel like I was part of the family. From day one, Kyle and his father made sure that every question I had was quickly and properly answered. They went out of their way to make me feel like I was their best customer. I will recommend this company to anyone at any time. If you have a question, feel free to message me. I believe these guys to be the best in the business and look forward to many years of a satisfying business relationship with them. Thanks Infinity! Lou's Flower World
  • It is refreshing to do business with a local, family-owned and operated company that is honest. Payment processing is sadly an industry full of scam artists and Thomas and his team at Infinity are incredibly honest and affordable with several options for small and large businesses. Thank you for your help! Carolina Commercial Properties
  • I could not be happier. Infinity essentially cut my merchant fees in HALF, and showed me clearly how I was being cheated by the cc processing firm I *had been sold to*. Next day deposits, great customer service and support, local business - what's not to like?? DogTrain
  • My name is Lior and I am the owner of The Cigar Exchange located in historic downtown Wilmington. My decision to use Infinity Payment Systems as my merchant services provider has been absolutely one of the best business decisions that I have made. Thank you very much Kyle, You're the best! The Cigar Exchange
  • We highly recommend Duane and Infinity Payment Systems. He is local, and in addition to great rates, he offers awesome customer service Capital Auto Repair & Service
  • Our rates were lowered to a point that no one has been able to touch their rates…whenever we need them, they are right there for us Apex Transmissions
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