Payment Guide & Help
Common reasons for FAILED transaction & alternative payment option
Common reasons for FAILED transaction
Reason for failed transaction is usually received as a response from Visa / Mastercard / FPX / Bank / Credit Card issuing bank. Which is beyond our control.
Here is some list of the error message
- Payment Fail
- Bank Declined Transaction
- 3D Secure Authentication failed
- Buyer Cancel Transaction
- Insufficient funds
- Buyer Choose Cancel At Login Page
Below are the further details for the reasons:
Bank Declined Transaction
The bank that issued your card may decline the anticipated transaction due to safety reason – to avoid fraud. This situation usually happens when buyer is from another country. When the buyer proceed with the transaction, the card issuer (the bank) sees it as a dangerous activity as the transaction is cross-border. This situation can also happens to customer who suddenly has a big appetite for purchase – buying items beyond their usual transaction amount, such as items costing thousands of Ringgit.
A quick solution is to call your bank to permit the transaction to happen. However, do note that there are several other reasons that can contribute to this failure. The cardholder might have entered the wrong details or the purchase limit has been reached.
3D Secure Authentication failed
3D Secure Authentication is a fraud-prevention scheme controlled by VISA and MasterCard. It works by sending buyer a code or password via text message in which it has to be keyed-in on the authentication page. Transaction failure may occur here, in the event that the customer failed to key in the correct code or staying too long on the authentication page.
Insufficient funds
“Funds” here means the amount of money in the bank account. Your customer might have an amount lower than the price value of the desired item. For example, the item is RM2,000, but your customer’s bank account has fund that is lower than that.
Transaction Not Found
This situation can happen when buyer choose to click the browser’s back button or spend too much time on the authentication page. Simply put, the system somehow failed to store the code or password given earlier to the buyer, hence, the bank system detects the transaction as “lost.”
To overcome this situation, the buyer need to restart the purchasing process from the beginning. Make sure to not spend too much time on the authentication page.
Buyer Cancel Transaction / Buyer Choose Cancel At Login Page
If buyer choose to cancel the transaction.
Alternative Payment Options
If the credit card options does not work on multiple attempt. you can choose to select PayPal payment option during the check out process. the following screen shot will provide a clear guide on how to select PayPal payment Options.
1) Select PayPal as payment option
2) Proceed with PayPal Option
3) Pay using PayPal account. / Express One Touch
