When credit card payments are declined, it can happen for a variety of reasons.
Please confirm with the end-user that their card is valid and has sufficient funds before contacting Uscreen support.
Some debit cards can be processed, while others cannot. This is completely dependent on the card issuer. Some debit cards require a PIN in order for payments to be processed. We recommend that end-users subscribe using a non-debit credit card to avoid issues on collecting future subscription fees, as the checkout workflow is not designed to collect payment via direct debit with a PIN.
In addition, Visa prepaid debit cards must be specifically set up to allow international transactions (in the event your user is in another country than the country in which your payment provider is hosted) or online transactions, otherwise, the card will be declined when a collection of payment is attempted.
Sometimes, cards that originate in one country will be declined by payment processing accounts located in a different country. This is a fraud preventative measure put into place by banks. Please verify the origin or the end-user's card. If it does not match the country in which your payment processing account is located, please have the end-user contact their card issuer to ask about foreign account processing rules on their card.
Before you contact Uscreen support about declined charges, please check all of the above with your end-user and then let support know that you have verified all of the previous information.
Why was a charge declined?
When we submit a payment request to the financial institution, they use an automated system to check whether to process the charge or not. Their systems take into consideration various signals such as account balance, the card information provided, spending habits, location of charge vs. location of card origin, etc. Due to these varying factors, a card could be rejected a few minutes after a successful transaction even if all the credit card information provided is correct. We may not be able to pinpoint the exact cause of the issue in this case.
How can I find more information about a specific charge decline?
If you are using the Uscreen Payment Gateway, kindly send us an email with the customer name and email to firstname.lastname@example.org so that we can review the charge for you.
If you are using Stripe:
Log in to your Stripe account and search by the end-user's email address (this must be the same email address associated with their Uscreen account).
Search by the email address of the end-user.
Click on their email address on the result page.
Scroll down until you see “Events and logs”.
Look for an Error on one of the transactions (usually a 402 error, but sometimes another error).
Click on the Error to expand the json response.
Look for the decline reason in the Response body section - you will have to read the full json response to see what the message may be.
That is all of the information that we can provide, as this is all of the information that the banks provide. If you have further questions about this reason for decline, please contact Stripe's support and provide them with the url to that specific log.
Why do I see "Cannot charge a customer that has no active card" even though there is a Credit Card on file?
This may happen if a customer tries to update their credit card information but fails to provide the complete Card information or tries to submit an empty Credit Card field. Our system will try to submit the request to Stripe, however, because the information is inaccurate, a new Stripe instance is created for the customer using the old card details which may either be invalid or expired.
This may lead to errors as seen in the screenshot below. This can be resolved by carefully entering the correct Credit card information again and clicking the submit button just once.
A customer paid via the App store but they do not have access to the videos
The customer may need to update the app and restore purchase - view this article for detailed instructions on what the customer needs to do to resolve this issue.