In this article:
1. Why Do Payment Errors Occur?
2. Common Payment Errors in Businessmap
2.1. Card Issues
2.2. Cardholder Authentication
2.3. Bank Issues
When starting or renewing your Businessmap subscription, you may encounter a payment error. Here are the most common error codes, what they mean, and tips on how to fix them.
1. Why Do Payment Errors Occur?
There are several reasons why your payment may fail:
- Card-related issues — e.g. insufficient funds, exceeded card limits, expired card.
- Cardholder authentication — e.g. mistyped card details, expiration date, failed 3D Secure authentication, etc.
- Bank-related issues — e.g. refused or restricted transactions.
Understanding the nature of these errors will help you resolve the issue faster.
2. Common Payment Errors in Businessmap
Below are common payment errors that users face in Businessmap, along with ways to resolve them:
2.1. Card Issues
51 — Insufficient Funds
The account didn’t have enough funds to cover the transaction amount at the time of the payment. This is a soft decline, meaning the issue is temporary.
How to Fix It:
- Check your balance: Ensure the account has enough funds and attempt the payment again.
- Try another card: If the balance is still insufficient, use a different card or payment method.
- Contact your bank: Confirm the exact available balance and resolve any unexpected holds.
61 — Limit Exceeded
The transaction exceeded the withdrawal limit on your account. Limits may be set on daily, weekly, or transaction-specific amounts. This is also a soft decline.
How to Fix It:
- Contact your bank: Request that they increase your transaction limit temporarily or permanently.
- Try a different card: If your bank can't raise the limit immediately, using another card might help you complete the payment.
2.2. Cardholder Authentication
1A — Authentication Required
The transaction failed because 3D Secure authentication wasn’t completed. This happens when your bank requires additional verification (like a password or SMS code), but the process wasn’t triggered during checkout.
How to Fix It:
- Retry the transaction with 3D Secure enabled: Ensure that you use a browser or device that can complete the 3DS process. Some banks will automatically prompt you for 3D Secure.
- Enable 3D Secure with your bank: If your card isn't set up for 3DS, contact your bank to enable it.
- Use a different card: If 3D Secure keeps failing, you may want to try a different payment method.
Note: 3DS typically opens a pop-up browser window for you to enter a secondary code from your bank. However, some browsers may block this due to security restrictions, antivirus add-ons, or other settings. If this happens, try using a different browser or switching to private/incognito mode.
2.3. Bank Issues
05 — Processor Declined
This error means that your bank refused the transaction, but the exact reason may vary.
How to Fix It:
- Contact your bank: This is the quickest way to find out why the transaction was blocked. There may be a restriction or security measure in place that can be easily resolved.
- Try another payment method: If your bank can’t immediately resolve the issue, using a different card or payment method may allow the transaction to go through.
62 — Issuer or Cardholder Has Put a Restriction on the Card
Your card issuer or the cardholder has applied a restriction on the card. This could be for security reasons, such as international use restrictions, or limitations placed by the account holder. This is a soft decline.
How to Fix It:
- Call your bank or card issuer: They can clarify what restriction is in place (e.g., location restrictions or transaction limits) and lift it if necessary.
- Check for card security settings: Many banks allow users to enable or disable transaction types from their banking app.
79 — Cannot Authorize at This Time (Life Cycle)
This error means the transaction was refused due to invalid card data, such as an expired card, incorrect CVV, or incorrect billing address.
How to Fix It:
- Double-check your card details: Ensure the card’s expiration date, CVV, and billing address match the ones registered with your bank.
- Update your card information: If your card has expired or changed, update it in the payment section and retry the transaction.
82 — Cannot Authorize at This Time (Policy)
The transaction was declined due to a policy reason on the bank’s side. This could involve spending limits, regional restrictions, or fraud prevention mechanisms.
How to Fix It:
- Contact your bank for clarification: Banks sometimes block transactions if they don't align with specific policies or security rules.
- Attempt the payment again later: If the issue was flagged as a temporary policy block, retrying at a later time may succeed.
By following the advice above, you should be able to quickly address common payment errors in Businessmap and avoid further disruptions to your subscription or renewal process.