Montonio processes card payments for many online stores. If your card payment didn’t go through, this guide explains the most common reasons and what you can do next.
Quick checks first
Before trying again:
Check your card details. Make sure the card number, expiry date, and CVV are correct.
Make sure online payments are enabled. Some banks turn off online or international payments by default. You can usually change this in your banking app.
Check your balance and limits. Daily or per-transaction limits can block a payment even if you have enough money in your account.
Approve the payment in your banking app. Most card payments need confirmation through 3D Secure. If you miss or close the confirmation step, the payment fails.
Don’t wait too long. Payment sessions expire after some time. If yours has expired, go back to the store and start the order again.
What the error message means
Error message | What it means | What to do |
This card can’t be used. Try another card or payment method. | This card isn’t supported or can’t be used for online payments. | Don’t try the same card again. Use a different card or another payment method. |
Not enough funds, or limits exceeded. Try another card. | Your card doesn’t have enough funds or has reached a spending limit. | Use another card, or check your limits in your banking app. |
Authentication failed. Your bank couldn’t confirm it was you. | The confirmation step with your bank (3D Secure) didn’t succeed. | Try again and complete the confirmation in your banking app. If it keeps failing, contact your bank. |
Your bank declined this payment. Contact your bank or try another card. | Your bank declined the payment without giving a reason. | Contact your bank or use a different card. |
Check card details and try again. | The card number, expiry date, or CVV was entered incorrectly. | Check your details and try again. |
Couldn’t reach your bank. Please try again in a moment. | There was a temporary connection problem with your bank. | Wait a few minutes and try again. |
This session has expired. Return to the store and start again. | The payment took too long and the session timed out. | Go back to the store and place the order again. |
This payment is already being processed. Please wait a moment. | The payment was submitted twice. | Wait for the first payment to finish before trying again. |
This payment method cannot be used for this order. | This card type or payment method isn’t available for this store or order. | Choose another payment method. |
The amount is too low for this payment method. | The order total is below the minimum for card payments. | Choose another payment method or contact the store. |
Payment cancelled. Please try again. | The payment was cancelled. | Go back to the store and start a new payment. |
My bank says they can’t see the payment attempt
This can happen. Some payments are stopped before they reach your bank, for example when:
The card isn’t supported for online payments.
The card used for the transaction is a prepaid card.
The card was issued in a country we can’t accept card payments from. Due to regulatory and security requirements, Montonio cannot process payments with cards issued in certain countries, such as Israel, Turkey, and others.
Automatic security checks flagged the payment as unusual. This can happen when you try several cards for the same order in a short time.
In these cases your bank won’t see anything, because the payment never reached them.
What can I do if my card payment keeps failing?
Choose another payment method at checkout, such as bank payment, if the store offers it. This is usually the quickest way to complete your order.
Contact the store if no other payment method works for you. The store can help you arrange another way to pay.
💡 For security reasons, we can’t share the specific reason why a card payment was declined or stopped.