Why was my x-Account payment unsuccessful?

Recurring payments are a convenient and reliable payment method, ensuring uninterrupted service. However, there are times when a recurring payment may fail.

Here are some of the key reasons why a recurring payment might be unsuccessful via PayU:

Insufficient funds

If the account balance is insufficient to cover a payment at the time of the transaction, it will be declined. This can occur with both credit and debit cards. To prevent this, please ensure you have enough funds available before the scheduled payment date.

Expired card

Payment gateways cannot process payments on a card that is no longer valid. Keep track of your card expiration date and update your payment details with your new card information before the old one expires.

Card blocked or suspended

A card may be blocked or suspended by the issuing bank for various reasons, such as suspected fraudulent activity, security concerns or even at a customer’s request. When a card is blocked, all transactions, including recurring payments, will be declined. You may contact your bank to resolve the issue if your recurring payment is unsuccessful.

Card limit exceeded

Credit and debit cards often have a daily or monthly transaction limit set by the issuing bank. If a recurring payment causes the card to exceed this limit, the transaction will be rejected. Ensure your card limit is sufficient in order for the payment to be successful , especially if you have multiple recurring payments scheduled.

Network issues

Sometimes payment failures are not related to your card but rather to network issues between PayU and your bank. These issues can be temporary and often resolve on their own. However, if the problem persists, xneelo will contact the payment gateway’s support team to ensure the issue is addressed.

Bank-specific restrictions

Certain banks may have specific restrictions or requirements for recurring payments, especially for international transactions. These restrictions can cause a payment to be declined even if you have sufficient funds and correct card details. In such cases, consult with your bank to understand any specific restrictions and seek a resolution.

How to mitigate recurring payment failures

It’s essential to:

• Ensure sufficient funds are available before the payment date.
• Keep track of card expiration dates and update payment information as needed.
• Be aware of any card limits and contact the bank if adjustments are necessary.

If you have any queries about your payment, please contact us.