# Payment declined or failed

> Fix card payment errors such as "Do Not Honor", 3D Secure or OTP failures, insufficient funds and blocked international payments when paying Ruachost.

Source: https://helpcenter.ruachost.com/billing/guides/payment-declined-or-failed/

If your payment fails, no money is taken (or it's returned automatically within a few days). Find the message you saw below.

| Message | What it means | What to do |
| --- | --- | --- |
| **"Do Not Honor"** or **"Card declined"** | Your bank refused the payment without saying why | Call your bank and ask them to allow the payment, then try again. Or use another card or payment method. |
| **"3D Secure verification failed"** or **OTP failed** | The extra security check from your bank didn't complete | Try again and approve the payment in your banking app, or enter the OTP before it expires. Check your phone number is up to date with your bank. |
| **"Insufficient funds"** | Not enough money or limit on the card | Top up or use another card. |
| **"Card not enabled for international/online payments"** | Common with Naira cards on Stripe or PayPal, or cards with a low dollar limit | Pay with **Paystack** instead, or ask your bank to enable online or international payments. |
| **"Incorrect card details"** | Card number, expiry date or CVV is wrong | Check and type them again. |
| **Payment window closed or timed out** | The payment page was left open too long | Start again from the invoice. |

## Still not working?

- **Try another payment method.** Naira cards usually work best with Paystack. International cards work with Stripe or PayPal. You can also pay by [bank transfer](https://helpcenter.ruachost.com/billing/guides/paying-an-invoice/) or cryptocurrency.
- **Try another browser,** or turn off ad blockers and VPNs, which can block payment pages.
- **Don't try the same card many times in a row.** Banks may block the card after several failed attempts.

## Money left your account, but the payment failed?

The bank may have put a temporary hold on the money. It's usually released within 3–7 days, depending on your bank. If you're not sure, [open a billing ticket](https://dashboard.ruachost.com/submitticket.php) with the invoice number, date and amount, and we'll check whether we received it.

Payments to Ruachost appear on your statement as **Ruach Hosting Limited**.

## Related articles

- [Payment methods and currencies](https://helpcenter.ruachost.com/billing/guides/payment-methods-available/)
- [My invoice still shows unpaid after I paid](https://helpcenter.ruachost.com/billing/guides/invoice-still-unpaid-after-payment/)