Payment Issues

1. Transaction failed, please contact your issuing bank or change another card to try again.
If you encounter the message “Transaction failed, please contact your issuing bank or change another card to try again,” here are the step-by-step solutions to resolve the issue:
  1. Verify Payment Details
    • Double-check the accuracy of the card information you entered, including the card number, expiration date, CVV/CVC code, and billing address. Even a minor typo (e.g., incorrect expiration date format like “1228” instead of “12/28”) can cause failure.
    • Ensure the billing address matches exactly what is registered with your issuing bank, as mismatches often lead to declines.
  2. Check Card Status and Funds
    • Confirm your debit card has sufficient balance or your credit card has enough available credit to cover the transaction amount. If not, add funds, make a payment to free up credit, or use an alternative card.
    • Verify the card is in a valid state: it should not be expired, reported lost/stolen, or frozen (e.g., due to overdue payments or suspicious activity).
  3. Try an Alternative Payment Method
    • Use a different debit/credit card from the same or another bank to rule out issues specific to the original card.
    • If available, switch to other payment options like digital wallets (e.g., Apple Pay, Google Pay) or bank transfers.
  4. Contact Your Issuing Bank
    Call your bank’s customer service (check the back of your card for the hotline) to inquire about the exact reason for the failure. Common causes they can explain and resolve include:
    • Security blocks: The bank may have flagged the transaction as unusual (e.g., foreign currency, large amount, or unfamiliar merchant). Confirm the transaction is legitimate to lift the block.
    • Restrictions: The card may lack permissions for online/overseas transactions, or have a daily/transaction limit that’s been exceeded. Ask the bank to adjust settings if needed.
    • Technical issues: Temporary system glitches on the bank’s end may prevent processing. They can advise when to retry.
  5. Check Network and Merchant Status
    • Ensure your internet connection is stable, as poor connectivity can interrupt payment transmission.
    • Confirm the merchant’s payment system is operational (e.g., check their website for maintenance notices). You can also try the transaction again later.
By following these steps, you’ll likely identify and resolve the issue. If problems persist, reach out to the merchant’s customer support at info@backyards-sun.com for help with their payment processing.
2. Your card balance is insufficient, please change the card and try again.
This message indicates that the available funds in your current card (debit card) are not enough to cover the transaction. Here are the solutions:
  • Check the actual balance of the card to confirm if the failure is due to insufficient funds.
  • If the balance is indeed insufficient, you can recharge the card and try the payment again.
  • You can also directly switch to another bank card with sufficient balance to make the payment.
3. The payment was unsuccessful. Please try an alternative payment method or retry later.
Here are common reasons and region-specific suggestions relevant to Europe, the U.S., and Australia:
  • Payment method limitations: Your current payment method (e.g., a specific card, digital wallet) may fail due to temporary system issues, preset transaction limits, or incompatibility with the merchant. Consider switching to widely accepted options in these regions:
    • Cards: Visa, Mastercard, American Express (common globally), or regional options like UnionPay (for Asian users in these regions) or Australia’s EFTPOS cards.
    • Digital wallets: Apple Pay, Google Pay, or region-specific ones like Revolut (popular in Europe), Klarna (Europe/U.S.), or Afterpay (Australia/U.S. for buy-now-pay-later).
  • Merchant or processor downtime: The merchant’s payment system or third-party processors (e.g., Stripe, Adyen, Square) might be under maintenance—common in all regions. Wait 10–30 minutes (or check the merchant’s social media/website for updates) before retrying, as such issues are often short-lived.
  • Regional banking rules:
    • In Europe, transactions may fail if 3D Secure (Strong Customer Authentication) isn’t completed (e.g., missing a one-time code from your bank app).
    • In Australia, some banks flag unusual cross-border transactions—contact your bank to verify the payment if this happens.
    • U.S. banks may block payments to high-risk merchant categories; confirm with your issuer if needed.
  • Network issues: Unstable Wi-Fi or mobile data (common in public spaces) can disrupt payment signals. Switch to a secure network (e.g., home Wi-Fi) or use mobile data from major providers (Verizon/AT&T in the U.S., Vodafone in Europe, Telstra in Australia) for reliability.
If problems persist, contact the merchant’s support team or your payment provider (e.g., bank) for a detailed failure reason—they can often resolve region-specific blocks or technical glitches.
4. Payment is in progress, please check the payment status later
This prompt usually means that the payment request has been submitted to the bank or payment platform, but the final confirmation has not yet been completed. Possible reasons include:
  • There is a delay in the bank’s system processing, especially for cross-border payments or large transactions, which require more time for risk control review.
  • There is a time lag in information synchronization between the payment platform and the merchant, resulting in delayed status updates.
It is recommended to wait for a period of time (usually ranging from a few minutes to a few hours) and then check the latest status through the original payment channel (such as bank APP, payment platform bill) or the merchant’s order page. If it still shows “in progress” for a long time (more than 24 hours), you can contact the payment platform’s customer service or the issuing bank to verify the transaction progress.