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 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 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.

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