Most declines have a simple cause. Check these first:
Not enough balance. The payment amount plus any currency conversion must fit your card balance. Top up the card and try again.
Wrong card details. Check the card number, expiry date and CVV in the Cards section of the app.
Billing address doesn't match. Use the address from your verification (see Billing address for online payments).
The card is closed. A grey card can't be used (see My card is grey or closed).
The merchant type is not supported. Some merchant categories are restricted for card payments.
Limits. Check the USDC Simplecard limits article.
If it still doesn't work
Close and reopen the app, update it to the latest version and restart your phone.
Turn off your VPN while paying.
Contact us in the chat with the merchant name, amount, date and the error you see.
A declined payment is not charged. If you see the amount as held, it is released back to your card balance automatically.