
Card declines can be frustrating, especially when your card shows a charge but still declines. This issue can happen due to various reasons, including incorrect card information, insufficient funds, or network errors.
Incorrect card information can cause a card to decline even if it shows a charge. For example, if the card's expiration date or security code is incorrect, the transaction may be declined.
Network errors can also cause a card decline, even if the card information is correct. These errors can occur due to technical issues with the payment processor or the bank's systems.
In some cases, a card decline can be due to a security feature, such as a hold or a flag, that prevents the transaction from going through.
What's Happening
Card declines but shows charge can be frustrating, but it's not always a lost cause.
In some cases, the card issuer may have temporarily frozen the account due to suspicious activity, as seen in the example of a card being declined for a $50 purchase but showing a charge of $50.
This can happen when the card issuer is verifying the card's security features, which may take a few hours or days to resolve.
Your Card Was Declined
If your card is declined, it's likely due to insufficient funds or a security issue.
You can check your account balance to see if you have enough money to cover the purchase. Sometimes, the decline is caused by a temporary hold on funds.
If you're still unsure, try contacting your bank or card issuer to see if they can help resolve the issue.
In some cases, a declined card can be a sign of a security issue, such as a stolen card or a suspicious transaction.
Be sure to keep an eye on your account activity and report any suspicious transactions to your bank right away.
If you're trying to make a purchase online, you may be able to use a different payment method or try a different card.
The Charge Was Successful
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Contact Your Bank

If you're unsure why your transaction was declined, it's time to contact your bank.
Call your bank's customer service number, which can usually be found on the back of your credit or debit card.
Inform them of the declined transaction and ask if there are any holds, blocks, or other restrictions on your account.
Your bank can help you determine if there's a problem with your account or if it's a temporary issue.
Check Your Account
If you're seeing a pending transaction on your customer's card statement but it's not showing up in your payment history, it might be a sign that the transaction is pending and not an actual charge.
A pending transaction can look like a real charge, but the funds won't be deducted from the customer's account. You can ask your customer to clarify with their bank to confirm.
If you're seeing multiple pending transactions on a customer's card, it could be an issue with a pending charge. This can happen when payments are declined or don't go through.

In some cases, pending transactions can take a few business days to fall off. If you're still seeing pending transactions after a few days, it's worth looking into the issue further.
Keep in mind that if a customer has already been charged, it's likely to show up in their payment history.
Sources
- https://www.sellercommunity.com/t5/Troubleshooting/Was-my-customer-charged/m-p/1442
- https://support.google.com/youtube/answer/9971664
- https://swissmoney.com/card-declined-but-i-have-money/
- https://www.voisip.com/secure/knowledgebase/2/My-payment-was-rejected-but-my-bank-shows-it-as-authorized.html
- https://community.shopify.com/c/payments-shipping-and/why-are-cards-being-declined-but-still-charged-on-my-website/m-p/1726112
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