This could be for many different reasons; however, Payhalal is not informed of the exact reason why the transaction has been declined. Reasons, why your payment was declined, include:

- Some of the card/personal details entered do not match the information held by your Card Issuer.

- You do not have enough cleared funds on your card to cover the amount of the purchase.

- Your card has been reported as lost/stolen and been canceled by your Card Issuer

- Your card has or is due to expire and has been replaced by your Card Issuer.

- Your card has recently been replaced by your Card Issuer but not yet activated.

- Your card cannot be used to pay for goods/services in a Cardholder-Not-Present environment (online/over the Internet).

- There may be a problem with your Card Issuer's authorization system.

- You haven't activated 3-D Secure (Verified by Visa and MasterCard SecureCode) of your card. 

If you are sure that none of the reasons above apply to your payment attempt, we recommend you try again. However, should the problem persist, please contact your Card Issuer to find out further information. If this means you are unable to pay by credit card, Online Banking or e-wallet available on Payhalal, please contact the online store directly to discuss the alternative payment options available to you.