Understanding Transaction Declines
What Is a Transaction Decline?
A transaction decline occurs when a payment attempt is rejected and does not process. The cardholder receives immediate notification, no funds are deducted on first decline, and the purchase cannot be completed until the issue is resolved.
Why Declines Happen
Transaction declines are protective mechanisms designed to:
Prevent overspending beyond approved budgets
Stop unauthorized or fraudulent transactions
Enforce company spending policies
Protect against technical or security issues
Cross-border fee charge on merchant
Common Reasons for Transaction Declines
1. Insufficient Card Balance
The Issue: The card doesn't have enough funds to cover the transaction amount.
How to Identify:
Decline message mentions "insufficient funds" or "balance too low"
Transaction amount exceeds available card balance
Card balance shows zero or near-zero in dashboard
Solution: Click here to Top up the card with sufficient funds:
Go to "Cards" in your dashboard
Select the affected card
Click "Top Up"
Enter the required amount
Confirm the top-up from your assigned budget
2: Merchant Category Restrictions
Your card has restrictions preventing purchases from certain merchant categories (e.g., gambling, cash advances, alcohol).
If restrictions are intentional policy, direct the cardholder to reach out to the Admin for access
3. Invalid card details & Expired Card
Confirm if physical card has passed its expiration date and request for a new card
Confirm the Wrong card number, CVV, expiration date, or PIN are not entered during transaction.
A declined transaction is not always an error—it's often the system working correctly to maintain financial control. Also, reach out to the admin for further assistance
Need Help?
If you're experiencing transaction declines that you can't resolve:
Email: [email protected]
Live Chat: Available 24/7 in your Bujeti dashboard
Phone Support: Check your dashboard for direct contact number
Priority Support: For urgent issues affecting business operations
Help Center: help.bujeti.com