Why was my payment declined?

A declined payment almost always comes from the bank or card issuer, not from Ftytrade.

Most common reasons

• Your bank blocked the transaction as a security precaution (common with international or online payments).
• The card details, expiry date or security code were entered incorrectly.
• Insufficient funds or a card limit was reached.
• The card does not allow online or international purchases.

What to do

1. Check your card details and try again.
2. Ask your bank to authorise the payment — often a single approval is all it takes.
3. Try a different method: another card, Klarna (pay in 3), PayPal or crypto.

Good to know

• You were not charged for a declined payment. If you see a pending hold, it is released by your bank automatically.
• Repeated attempts in a short time can make the bank block further tries — wait a few minutes before retrying.
• Challenge Rapid subscriptions can only be paid by card or PayPal; the other methods are for one-time purchases.

Still stuck?

Contact our support team from your dashboard with the approximate time of the attempt and the method you used, and they will help you complete the purchase.