About Payment Declines
If you receive notification that your card has been declined, you must contact the bank that issued the card to find out why.
Only your bank can tell you why your card has been declined. The following are a few possible reasons why your payment may have been declined:
Incorrect payment information entered on your order: Did your billing address change recently or did you get a new card with a new expiry date? If you used a payment method already on Your Account, you may simply need to update some of the information. If you entered a new payment method, make sure you entered the number and other information correctly.
Your bank's security policies: Your bank may flag any unexpected activity on your account. This includes first time orders and high value purchases, regardless of the amount of funds available (or credit limit). Your bank may require your verbal authorisation to proceed with a transaction.
Daily withdrawal or purchase limits assigned by your bank: Most banks have limits on how much money can be charged or accessed in a single day. If you exceed this daily amount, your bank may block your account from any further activity regardless of available funds in the account. Your bank may require you to request a higher purchase limit to complete the transaction.
Insufficient funds due to funds reserved for payment authorisations: If you make changes to your order, cancel items, or an order consisting of multiple items is shipped in more than one delivery, your card may be authorised for each charge and funds may be reserved against your account for each authorisation. Some banks hold these authorisations for up to 7 business days. If your payment is declined due to the lack of available funds you may need to confirm from your bank if the reserved funds are authorisations and verify the amount of time they hold authorisations.
See Resolve A Declined Payment to know the actions you can take to resolve a declined payment.
If you placed an order on elgonstudios.com AU and your card was declined, we'll send you an e-mail asking you to submit your card details again. If the card is again declined, the order will be cancelled. If you still want to purchase the item, you'll need to place another order.