Payment Troubleshooting Guide

If your payment fails, use this guide to identify the error you received and follow the steps to resolve it. Many payment issues originate outside of our system — your bank, card issuer, or spending limits may be involved.

Error Reference

INSUFFICIENT_FUNDS — Insufficient funds

The funding source has insufficient funds to cover the payment.

Your payment method doesn't have enough funds to cover this transaction.

Steps to resolve:

1. Check your account balance with your bank or card issuer.
2. Use a different payment method with sufficient funds.
3. Contact your bank if your balance appears correct — a pending hold may be reducing your available funds.

TRANSACTION_LIMIT — Transaction limit reached

The card issuer has determined the payment amount is either too high or too low (credit limit reached).

Your card issuer has flagged this payment amount as too high, or your credit limit has been reached.

Steps to resolve:

1. Check your available credit or spending limit with your card issuer.
2. Request a temporary limit increase from your bank if needed.
3. Try a different card or payment method.

CARD_EXPIRED — Card expired

The card issuer declined the request because the card is expired.

The card on file has passed its expiration date and can no longer be used.

Steps to resolve:

1. Update your payment method with your new card details.
2. Contact your bank if you've received a replacement card but haven't activated it yet.

INVALID_CARD_DATA — Invalid card data

The credit card cannot be validated based on the provided details.

The payment method on file could not be validated. Card details may be incorrect or the card may be restricted.

Steps to resolve:

1. Remove and re-add your payment method to ensure all details are entered correctly.
2. Confirm the card is active and not blocked by your bank.
3. Try a different card if the issue persists.

GENERIC_DECLINE — Card declined

Card was declined — no further info provided by card issuer.

Your card issuer declined the payment without providing a specific reason. This is often due to fraud prevention, spending restrictions, or security holds.

Steps to resolve:

1. Contact your bank or card issuer directly — they can provide details on why the charge was blocked.
2. Verify no fraud alerts or blocks are on your account.
3. Try again after confirming with your bank, or use a different payment method.

INVALID_LPC — Invalid invoice reference

Invalid LPC associated with this invoice. Please contact support.

There is an issue with the invoice or payment reference in our system. This is not a card or bank issue.

Steps to resolve:

1. Do not retry the payment.
2. Contact our support team with your invoice number so we can investigate and correct the reference.

External Factors That May Affect Your Payment

Even with a valid card and sufficient funds, payments can still fail due to factors outside our system. Common causes include:

Bank-side blocks

• Fraud detection flagging an unusual or unexpected charge
• Geographic or merchant-type restrictions on your account
• Temporary account holds or freezes
• Online or international transactions disabled on your card

Timing and limits

• Daily, weekly, or monthly spend caps reached
• Multiple rapid transactions triggering an automatic hold
• Pending transactions reducing your available balance
• Bank processing delays or scheduled maintenance windows

Card and account status

• Card reported lost or stolen
• Replacement card not yet activated
• Account temporarily suspended by your issuer
• Card type not permitted for recurring or card-on-file charges

Network and processing

• Temporary outage with the card network (Visa, Mastercard, etc.)
• Square payment processing delays
• Authorization request timing out before a response is received

Tip: When in doubt, calling the number on the back of your card is the fastest way to understand why a specific charge was declined. Your bank has access to the exact decline reason code that isn't always passed along to us.

Still Need Help?

If you've followed the steps above and are still experiencing issues, please contact our support team. When reaching out, have the following ready:

• The error message or code you received
• The date and approximate time of the failed payment
• The last four digits of the card on file
• Your invoice or account number (required for INVALID_LPC errors)