![]() ![]() If the card issuer declines a payment, Stripe shares with you all of the decline information we receive. These tools analyze signals such as spending habits, account balance, and card data (expiration date, address information, and CVC). When your customer’s card issuer receives a charge, their automated systems and models decide whether to authorize it. Stripe sends you a response code that includes information about the decline, for example, if it’s due to insufficient funds, a lost or stolen card, or another reason. Stripe handles non-card payment method declines similarly to card declines. ![]() This attribute covers the payment failure type and provides information about its cause. When using the API, look at the Charge object’s outcome. For every failure, you can use the Dashboard or API to review a payment’s details. You need to handle each type of payment failure differently. There are three reasons why a payment might fail: ![]() We work with issuers and networks to improve acceptance rates, often without affecting your integration. Stripe works to reduce decline rates across all supported payment methods. Payments can fail for a variety of reasons, including some that help prevent fraudulent transactions. For a clearer overview of your authorization rates, analyze unique declines and exclude failed retries from your analysis. Track your decline rate over time to identify potential fraud or integration issues. ![]()
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